vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 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 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Upon checking my credit report I noticed this creditor is still reporting this account / collection on my credit reports. I have never had a contract or account with them. I this handled immediately and deleted.

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

Complaint narrative:
XX/XX/year> To : Equifax Subject : Formal Debt Validation and Dispute Request Under FCRA and FDCPA Dear [ Credit Bureau or Collection Agency Name ], I am writing to formally dispute the accuracy, ownership, and validity of the following collection accounts currently appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of these accounts as required under federal law. 
Accounts in Question : XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX XXXX {$1200.00} Legal Basis for Dispute and Validation : Under 15 U.S.C. 1692g ( a ) ( FDCPA ), I am exercising my right to request verification of these alleged debts. Therefore, I am demanding that you provide the following documentation for each account listed above : A full debt validation letter A copy of the original signed agreement or contract establishing the alleged debt A copy of the assignment contract showing transfer of ownership or collection rights from the original creditor to XXXX XXXX XXXX A Forward Flow Agreement outlining the purchase terms for the alleged debt A complete itemized breakdown of the balance, including principal, interest, fees, and any other charges Proof of full compliance with Regulation F ( 12 CFR 1006 ) governing debt collection practices Under 31 U.S.C. 5118, I retain the right to challenge any financial obligation that was not legally created or properly verified. Furthermore, under 15 U.S.C. 1681e ( b ) ( FCRA ), credit reporting agencies are required to maintain accurate and verifiable records. If these debts can not be properly verified, they must be permanently removed from all credit reporting files. 

Formal Requests : XXXX. Provide full debt validation and all documentation outlined above. 

XXXX. If you are unable to verify the accounts, permanently delete them from my credit report. 

XXXX. Block reinsertion of these accounts unless proper documentation is provided, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

XXXX. Provide written confirmation of the outcome of your reinvestigation. 

Failure to comply with these requirements may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action for violations of 15 U.S.C. 1681n and 1681o due to willful or negligent noncompliance. 

Thank you for your prompt attention to this matter. I expect a full resolution within the time allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I deposited a check at their ATM on XXXX XXXX. The check was a XXXX treasury check for a tax refund. The check is written to pay to both my name and my husband 's name. The checking account is a joint account and has both of our names on the account. Capital One claims the check was received on XX/XX/XXXX but I have a receipt that shows the date I noted. The initial communication I received was that the funds would be available on XX/XX/XXXX. This email was sent on XX/XX/XXXX. More proof that the check was deposited on XX/XX/XXXX. I later received a a subsequent email on XX/XX/XXXX that the check would be on hold until XX/XX/XXXX. 

I called to complain about the inordinate amount of time and the belief that a bill had been passed that protected the consumer from such holds. I spoke to a supervisor that informed me that they could place such holds on the check funds and was ignorant of any laws that protected the consumer from these tactics. 

I received another email on XX/XX/XXXX that basically states what I tried to explain to the supervisor about the new regulations. However the email stated that this only applies to funds deposited after on before XX/XX/XXXX. The check funds have still been on hold and the money has not been released. I always believed that a XXXX treasury check was more valid than a consumer check. XXXX of the customer representatives claimed that the bank would be giving me a loan because it was not guaranteed the funds from the XXXX treasury. 

I believe that the stall is so the bank can make money off of the prolonged float and has nothing to do with the money availability from the XXXX treasury. They claim no one returns their call to verify the check. However my accountant called to verify the check and accomplished this task with XXXX hours. All of their excuses seem specious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
After the Dispute The balance, status, and negative history were not removed They added a note : This item was updated from our processing of your dispute in XX/XX/XXXX. 
The negative info still reports monthly and is marked for continuation until XX/XX/XXXX They did not provide any validation or contract, just updated internal remarks What This Means Experian ( and possibly XXXX ) did not verify with actual documentation. They : Changed minor metadata ( such as date updated ) Left the derogatory info and monthly C notations fully intact Still list you as the responsible party without furnishing legal proof ( contract, billing statements, etc. ) This is a textbook situation for : Incomplete reinvestigation ( FCRA 611 violation ) Failure to verify with actual documentation ( FCRA 609 ( a ) ( 1 ) ) Continued reporting without accuracy assurance ( FCRA 607 ( b ) )

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX * * * * Balance : {$170.00} Date Opened : XX/XX/year>. 

Under XXXX XXXX XXXX XXXX ( a ) : ( XXXX ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( XXXX ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX I purchased an item using XXXX as my payment platform. The product was to be a final price of {$33.00} but I was charged {$42.00}, {$9.00} over the agreed price. I requested the refund of the $ XXXX contacting the seller directly. After I never heard from them, I went thru XXXX resolution center for help. I supplied the documented pricing for the item to support and XXXX rejected my info siding with the seller. Since I was overcharged and not getting the proper resolutions, I requested a refund for the item that I have not received nor has been shipped. XXXX is refusing my refund request also with no further explanation. I also reached out to PNC on XX/XX/year> to get the refund for the item I have cancelled numerous times. XX/XX/year> PNC refused the credit citing they contacted the seller and sided with them without ever requesting any proof of communication I have requesting cancellation. I simply want my money refunded to me and no longer want the product I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CL Holdings LLC
State: GA

Complaint narrative:
To whom it may concern : Jefferson Capital SystemXXXX XXXX balance of XXXX has been reported to the credit reporting agency with falsified and inaccurate information. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name.

This collection account is reporting not only as OPEN as of XX/XX/XXXX, but also shows XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX past due as of XX/XX/XXXX past due balance XXXX XXXX XXXX, which is shown above as false information. I do not have an open, active, or validated account with Jefferson Capital System. According to FCRA, I have the right to accurate credit reporting. 
Please remove the Jefferson Capital System act # XXXX account immediately upon receiving this information from my credit report as a collection account. Please provide me with a copy of my new credit report reflecting the removal from reporting as a collection account. 

Sincerely

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

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Accounts are as follows : 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 explanation
Consumer complaint received 2025-06-07 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as 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 2025-06-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Creditor : Navy Federal Credit Union Product : Secured Credit Card I am filing this formal complaint against Navy Federal Credit Union ( NFCU ) regarding a serious breach of secured credit card terms and violations of consumer protection laws.

I opened a secured credit card account with Navy Federal, which required a security deposit equal to the credit limit. However, NFCU allowed my account to be charged {$3500.00} over the secured credit limit without my authorization or consent.

I never opted into any over-limit program, nor received disclosure of any such policy. This action contradicts the basic function of a secured credit card and violates the Truth in Lending Act ( 15 U.S.C. 1666i ( b ) ), which prohibits over-limit transactions without explicit consumer opt-in. 
Additionally, if this over-limit balance has been reported to any credit bureaus, it constitutes inaccurate and misleading reporting, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ). 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Disclosure and consent for over-limit fees required. 
- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX Credit furnishers must report accurate data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation