vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
RE : FINAL DEMAND TO DELETE PREVIOUSLY DISPUTED NEGATIVE ITEMS MULTIPLE COMPANIES To Whom It May Concern, This letter serves as a final and formal demand for the immediate deletion of the following negative entries from my Equifax credit file. All of these accounts have been previously disputed, and Equifax has either failed to verify them properly or continues to report them in clear violation of the Fair Credit Reporting Act ( FCRA ) : 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 Under FCRA Sections 609 and 611, you are legally obligated to verify any disputed account with full, original documentation from the original creditor. If you can not provide this documentation, the account must be deleted. 

You have already been given the opportunity to investigate these accounts, and any continued reporting of unverifiable or inaccurate information is willful noncompliance with federal law.

If this matter is not resolved within 15 business days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Michigan Attorney General Notify each creditor listed above of your failure to comply Pursue civil litigation under 15 U.S.C. 1681n and 1681o for damages caused by your negligent and willful violations I am not requesting I am demanding that these accounts be permanently deleted from my Equifax credit report. I expect an updated copy of my credit report showing these deletions to be mailed to me promptly. 

You are officially on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX [ Date ] Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Address ] Re : Account # [ Insert Account Number ] Formal Dispute and Validation Request To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Your company is reporting an alleged debt of {$510.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX, under the name XXXX XXXX. My consumer report states Dispute resolved subscriber disagrees. I maintain that this account is inaccurate, incomplete, and unverifiable.

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you provide proper validation of the debt, including but not limited to : 1. A copy of the original signed contract or agreement bearing my signature. 


XXXX. A complete payment history showing how the alleged balance was calculated. 


XXXX. Documentation proving that XXXX XXXX XXXX is the rightful owner of the debt or has been assigned collection rights. 



Furthermore, under 15 U.S.C. 1681i, the credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes information. If you can not provide verifiable documentation within the time allowed by law, you are required to immediately delete this account from all credit reporting agencies. 

Please be advised that failure to comply with these requirements constitutes a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office. 

I expect your full compliance within 30 days of receipt of this letter. All correspondence regarding this matter must be in writing. 

Sincerely, XXXX XXXX XXXX ( Signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am submitting this complaint regarding my auto loan account # XXXX, which was paid off in full on XXXX, XXXX, 2022. Despite providing Ally Financial with documentation proving the account was paid in full, the charge-off status remains on my credit report, negatively impacting my XXXX XXXX. 

The charge-off is inaccurate and misleading because the debt has been fully satisfied, and I request that Ally Financial update the account status to Paid in Full or remove the charge-off altogether. 

I have repeatedly contacted Ally to resolve this issue, but they have refused to correct the inaccurate reporting, stating they are not legally responsible for removing the charge-off, which I believe is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate and complete information. Maintaining a charge-off status after full payment is inaccurate and harms my credit unfairly. 

I request the CFPB to investigate this matter and require Ally Financial to update my account status appropriately on all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After carefully reviewing my recent credit report, I have identified the following inquiries that I do not recognize and did not authorize : Disputed Inquiry : 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 XXXXXX/XX/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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Using XXXXXXXX XXXX XXXX credit monitoring service, I noticed that my Experian XXXX XXXX increased by XXXX points on XX/XX/year> and decreased by XXXX points ( to XXXX ) on XX/XX/year>. I have XXXX open credit cards from XXXX which never had a late payment, and carried a maximum balance of XXXX during this period. 

I discovered this on XX/XX/year>, and proceeded to request a credit report online, and received a vague error without explanation when creating an account. I then tried to contact them via phone, which led me to an automated system that seems to have the sole functionality of sending me my credit report via mail. Unfortunately, there is no option in the automated system to update my address. My old address in XXXX, and as I'm currently in XXXX, I am unable to access that report. I called them XXXX times and was unable to get the automated system to transfer me to a human agent. 

I also tried to file a dispute online. This led me to an error saying that they are unable to verify my identity and to call them, which leads back to the same automated system. 

Experian does not publish any other avenues of contacting them other than paper mail.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> a charge of {$7200.00} was made on the credit card! On XX/XX/XXXX of the same year, I flew away to vacation to my home-country and did not return until XX/XX/XXXX! On XX/XX/XXXX on routine check of my accounts, I find Unauthorized charge was made and i was not alerted by The bank or the credit bureau, nor by email, or any type of alert that would have prevented it! The charge was more than my credit limit and the fact that it went through without raising any red flags to the bank is alarming. Ive attempted to resolve this matter ever since! Opened investigation on the day i found out! Provided proof of absence from XXXX such as, Plane tickets, stamps from passports on my in coming and goings, baggage tags and boarding passes with dates and seatsyet this waas not enough for the bank. My inability to make this charge as apparent, also bank told me it was made through the chip! Which needs to be present physically. Already an impossibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am requesting a goodwill removal of the negative reporting on my closed Capital One account due to documented XXXX hardship and protected victim status during the period of delinquency. 

During the time in question, I was engaged in the Total and Permanent XXXX ( TPD ) discharge process and recovering from a protected incident ( see attached victims letter ). These circumstances directly impaired my ability to manage my finances and required accommodations under the Americans with XXXX XXXX ( XXXX ), Title II 42 U.S.C. 1213112165, and Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ).

While I accept responsibility for my obligations, the adverse reporting does not reflect the exceptional circumstances of my condition or my ongoing commitment to financial stability. I have since demonstrated responsible credit management, and I am requesting this removal in the interest of fairness and rehabilitation. 

Failure to account for my XXXX hardship and protected status during the reporting period raises compliance concerns under : FCRA 15 U.S.C. 1681s-2 ( a ) ( Duty to furnish accurate and complete information ) FCRA 15 U.S.C. 1681i ( a ) ( Duty to reinvestigate disputed information ) FDCPA 15 U.S.C. 1692e ( 8 ) ( Duty to report disputed debts as disputed ) XXXX  Title II and Section 504, requiring reasonable modifications to avoid discriminatory impact.

Attached are : Victims letter XXXXXXXXD proof Credit report excerpt showing the closed negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to file a formal complaint against PNC Bank regarding its failure to resolve a fraudulent transaction on my account. 

On XX/XX/year>, a debit of {$450.00} was made from my account by a fraudulent company impersonating XXXX. After contacting the real XXXX, they conducted an investigation and confirmed that it was a scam. As a result, XXXX refunded the full amount for the package directly to the bank. 

Despite the clear evidence of fraud and confirmation from XXXX, PNC Bank has not provided me with any resolution or returned the funds to my account. I have contacted the bank multiple times seeking an update, but to this date, I have not received a satisfactory response. 

This delay in resolving my case is causing me unnecessary stress and financial inconvenience. I request that the CFPB investigate this matter and ensure that PNC Bank fulfills its obligations under the law to protect consumers from fraudulent transactions. 

Thank you for your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Self Financial Inc.
State: IL

Complaint narrative:
I am requesting a goodwill removal of the negative reporting on my closed XXXX XXXX account due to documented XXXX hardship and protected victim status during the period of delinquency. 

Between the dates in question, I was actively navigating a Total and Permanent XXXX ( TPD ) discharge process and recovering from a protected incident ( see attached victims letter ). Under the Americans with Disabilities Act ( ADA ), Title II 42 U.S.C. 1213112165, and Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ), I am entitled to reasonable accommodations, which include modifications to adverse reporting practices that disproportionately harm individuals with qualifying XXXX. 

While I take full accountability for any missed payments, the adverse circumstances were directly tied to my documented hardship and were outside my control. Given my established history of intent to repay and financial recovery since that period, I am asking XXXX XXXX to review this request in good faith. 

I believe the continued reporting of this negative mark, without reflecting my protected status, also raises compliance issues under : FCRA 15 U.S.C. 1681s-2 ( a ) ( Duty to furnish accurate and complete information ) FCRA 15 U.S.C. 1681i ( a ) ( Duty to reinvestigate disputed information ) FDCPA 15 U.S.C. 1692e ( 8 ) ( Duty to report disputed debts as disputed ) Attached are : Victims letter XXXX/TPD proof Credit report excerpt showing the closed negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
{ XXXX XXXX XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { XXXX XXXX XXXX }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a written request to Mohela for a review and removal of negative credit reporting related to my federal student loan. The delinquencies were the result of servicing errors, including lack of adequate notice that my loans had entered repayment, and lack of timely communication that could have allowed me to address the issue before it was reported to the credit bureaus. 

I did not receive a confirmation or response from Mohela regarding my XX/XX/XXXX message. The absence of communication has prevented me from resolving the matter directly with the servicer. 

Details : The negative marks on my credit report are not the result of willful nonpayment but due to a breakdown in Mohelas servicing process. 
I was under the impression my loans were in good standing and that my income-driven repayment application was active. 
Mohela failed to provide timely notice of repayment status changes and failed to notify me that my application was incomplete or unprocessed. 
By the time I became aware of the delinquency, it had already been reported to credit bureaus. 
I reached out on XX/XX/year>, with a detailed request for removal of the negative marks given these servicing errors, but have received no acknowledgment or follow-up. 

Supporting Documents : Copy of XX/XX/year>, email/letter to Mohela. 
Credit report showing the negative marks in question. 
Any prior communications or applications related to income-driven repayment.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the account listed below on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information regarding any debts reported in my name. This account contains multiple violations which compel its removal from my credit report immediately. 

Account Information : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid in settlement ( Updated XX/XX/XXXX ) Credit Limit : {$300.00} Highest Balance : {$440.00} Dispute Grounds : Failure to Verify Debt : I have not received sufficient verification or validation of this debt as required by FDCPA Section 809 ( 15 U.S.C. 1692g ). Without proper validation, this account should be removed.

Reporting Inaccurate Information : The account status, payment history, and balance details are inconsistent and lack documentation, violating FCRA Section 623 ( 15 U.S.C. 1681s-2 ) which mandates accurate reporting by furnishers.

Failure to Notify of Dispute : After my dispute, the furnisher failed to conduct a reasonable investigation or inform me of the results as required under FCRA Section 611 ( 15 U.S.C. 1681i ).

Unlawful Collection Practices : Any attempts to collect on a disputed debt without validation constitute harassment under FDCPA Section 804 ( 15 U.S.C. 1692c ).

Requested Resolution : Given these violations, I demand that this account be permanently removed from my credit report. If you are unable to provide complete validation of this debt compliant with FDCPA and FCRA standards, removal is mandatory.

Please confirm in writing that this account has been deleted from my credit report within 30 days of receipt of this letter. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your prompt attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation