vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by XXXX, XXXX XXXX XXXX XXXX  etc XXXX ]. 



The account in question is a credit card that, according to the credit reporting data, was closed as of XX/XX/XXXXXXXX XXXX  with a past due amount of {$89.00}. Despite this status, the account continues to report 30-, 60-, and 90-day late payments in XXXX after the account was already marked closed, which is inconsistent and misleading. 



Specific Issues : Contradictory Status : The account is labeled as Closed but still reflects late payments post-closure ( e.g., XXXX XXXX ). 

Past Due Balance Conflict : Reporting a past due balance on a closed account is misleading unless clearly marked as charged-off, settled, or paid. 

Unverifiable Payment History : I made on-time payments in XXXX, yet the account shows multiple delinquencies suddenly starting in early XXXX. This raises concerns about data accuracy and verification. 



Violations : I believe this creditor and the credit reporting agencies are in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) Failure to maintain maximum possible accuracy 611 ( a ) Failure to properly investigate and correct disputed information 609 ( a ) Failure to provide documented verification of the accounts payment history and status upon request

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the collection account listed on my credit report under the name Jefferson Capital LLC, account number ending in XXXX. This account is reporting a balance of {$2600.00} and is significantly damaging my credit score.

Upon review, I found that : There is no record of this debt being verified or validated with me.

The payment history shows missed payments before the account was even opened, which is inconsistent and inaccurate. 
The Times 30/60/90 Days Late field shows XXXX, yet the monthly history marks missed payments, which is a contradiction.

I have not received any written notice or debt validation from Jefferson Capital as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am requesting that you : 1. Conduct a reasonable investigation into this matter.

2. Verify the accuracy and complete ownership of this debt.

3. Remove the account from my credit report if the information can not be fully verified or corrected.

Additionally, I am requesting all documentation Jefferson Capital has regarding this account, including a signed contract or original creditor statement, proving the legitimacy and accuracy of this debt. If you can not provide this, you are required to delete the account per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize companies to run my credit 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My auto loan with Ally Financial was included in a bankruptcy XXXX XXXXXXXX which was successfully discharged. However Ally continues to report the account as needing attention and mentions of the loan still in an active bankruptcy to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$1900.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

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 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$1900.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Debt Validation Request Account Number : N/A Amount Reported : {$1900.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX. XXXX FCU Account number : XXXX XXXX OF NJ Account number : XXXX XXXX OF XXXX Account number : XXXX XXXX FCU Account number : XXXX XXXX XXXX NJ Account number : XXXX XXXX XXXX Account XXXX : XXXX XXXX FEDERAL XXXX XXXX Account number : XXXX Please promptly remove this XXXX within XXXX XXXX days pursuant to XXXX USC XXXX to avoid any further legal proceedings.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunnova Energy Corporation
State: TX

Complaint narrative:
We were fraudulently induced into signing a {$60000.00} solar loan by a door-to-door salesman from XXXX XXXX acting on behalf of XXXX. We made it clear we would only agree to solar if : It required no out-of-pocket costs It powered the home XXXX, even during outages It reduced our total monthly energy bills It performed reliably in cloudy or winter conditions The salesman falsely confirmed all of these conditions. In reality : The system fails during outages and barely powers our home We still receive a full monthly utility bill The system underperforms in cloudy weather A balloon payment of {$15000.00} was due at the XXXX month, which we could not afford Because we couldnt pay the balloon, our monthly XXXX bill jumped from {$180.00} to {$250.00}. Our total energy costs rose over 40 %. 

We tried to resolve this with XXXX, but they denied responsibility for the sales representative and refused to unwind the loan. This situation has caused major financial stress, marital strain, and daily regret. We now feel trapped in a loan we never should have been offered. 

We are also submitting this complaint to the Texas Attorney General and the Bankruptcy Court due to XXXX XXXX XXXX filing.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Date : XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Equifax Credit Report Dear Equifax XXXX Department , I am writing to formally dispute several unauthorized hard inquiries that appear on my Equifax credit report. I did not authorize these companies to access my credit, nor did I initiate any credit applications with them. 

The following inquiries are unauthorized : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX Under the Fair Credit Reporting Act ( XXXX  ), only entities with my explicit consent may access my credit file. Since I did not provide authorization to any of these companies, I request that Equifax investigate and permanently remove these inquiries from my report. 

Enclosed are documents to assist with your investigation : A copy of my government-issued ID Please confirm when this matter has been resolved and provide me with an updated copy of my credit report reflecting the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX of valid ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am writing in response to a collection account reported by your agency in the amount of {$650.00}, which I do not recognize and have no prior knowledge of. 

Pursuant to the Fair Debt Collection Practices Act ( XXXX  ), XXXX U.S.C. XXXX, I am formally requesting that you provide full validation of the alleged debt. This includes, but is not limited to : XXXX. The original contract or agreement bearing my personal signature, not copies or reproductions. 


XXXX. The name and address of the original creditor. 


XXXX. A complete itemization of the charges and how the balance of {$650.00} was calculated. 


XXXX. A complete payment history, if applicable. 



Until such documentation is provided, this debt is considered disputed, and I request that all collection activities cease immediately, including reporting to any credit bureau. 

If you can not provide the required original documents, you are required to remove this account from my credit report and stop all collection efforts. 

This letter is not an acknowledgment or acceptance of the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Ive received multiple text messages even after Ive told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I work for farmers since XXXX and was able to deposit my check then in XXXX wells Fargo started holding my check giving me the excuse that they thought the check was fraudulent. I had my boss and his bank with my bank wells Fargo on the line confirming the check wasnt fraudulent. Now in XXXX my wells Fargo bank is doing the same thing again. 
This is extremely frustrating and having to have my boss and his bank and wells Fargo back on the line is disruptive to my work.

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Subject : Complaint Regarding Unfulfilled {$1000.00} Business Account Bonus from Bank of America Dear Sir or Madam, I am writing to formally file a complaint regarding XXXX  XXXX XXXX failure to honor a publicly promoted business banking bonus. 

On XX/XX/year>, I opened a XX/XX/XXXX Banking account ending in XXXX via the official promotional link found at : https : XXXX  This promotion clearly stated that I would receive a {$1000.00} bonus after completing the following requirements : Deposit at least {$30000.00} in new funds within XXXX  days of account opening. 

Maintain a minimum average balance of {$30000.00} for a XXXX period thereafter. 

I successfully fulfilled both requirements. I held the funds in full throughout the qualifying period and even beyond, as evidenced by my attached bank statements and screenshots of the promotional offer. The account has remained active, and the balance never dropped below the required threshold. 

Despite this, the {$1000.00} bonus has not been deposited into my account. Multiple follow-ups with Bank of America representatives have been unproductive and inconsistent, with no resolution or explanation provided. 

I am requesting that your office to review this case and assist in compelling Bank of America to fulfill its advertised obligation. I am attaching : Screenshots of the original promotional terms. 

Full statements verifying the qualifying deposit and maintenance period. 

A timeline of my account activity from opening to present. 

As a small business owner, I entered this agreement in good faith, and this situation has caused undue frustration and wasted time. The offer was clear and was not marked as targeted or restricted at the time of application. 

I respectfully ask that Bank of America honor their offer by issuing the promised {$1000.00} bonus immediately. 

Thank you for your time and attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 monetary relief