vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian 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 ), Experian 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. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX & XXXX XXXXXXXX

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 2025-11-13 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: DE

Complaint narrative:
I recently discovered multiple hard credit inquiries on my credit reports from TransUnion that I did not authorize, recognize, or apply for. I have not given consent to any of the following companies to access my credit file, and I have not applied for any new credit accounts during this period These unauthorized inquiries are listed as follows : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX Subject : This is a formal dispute and request for validation of alleged debt To whom it may concern, This letter serves as a formal notice regarding the debt your agency has reported to one or more consumer reporting agencies under my name. I am requesting a full validation and verification of this alleged debt pursuant to the Fair Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and for the verification of accuracy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i.

Please be advised that I dispute the accuracy and validity of this account in it's entirety. Until you provide proper validation, you must immediately cease all collection activity and suspend, remove and refrain from reporting this account from all credit bureaus ( XX/XX/XXXX, XXXX, and XX/XX/XXXX), as unverified or inaccurate reporting constitutes a violation of federal law.

To properly validate this debt, I require the following : 1. The original signed contract or agreement establishing the debt and my liability for it, bearing my signature.

2. A complete itemized statement of the alleged balance, including principle, interest, and payment history.

3. Documentation demonstrating your agency 's legal authority and assignment to collect on this account.

4. Verification that the account is still within the statute of limitations for collection in my state.

Please direct all correspondence to me in writing only at the address listed above. I do not consent to telephone contact regarding this matter.

I expect your full compliance with the FDCPA and FCRA. Please confirm in writing once the alleged account has been deleted or verified with proper documentation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DE

Complaint narrative:
I found several unauthorized hard credit inquiries on my Equifax credit report that I did not authorize, apply for, or recognize. I have not done any recent credit applications or given permission for any of these companies to access my credit file. 

The unauthorized inquiries reported are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I do not have any accounts or applications with these lenders. These inquiries appear to be unauthorized or fraudulent and are harming my credit standing. 

I have disputed these inquiries directly with the credit bureaus, but they remain on my reports. I am requesting the CFPBs assistance in ensuring these companies comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires them to conduct a reasonable investigation and delete any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
I have no connection with this account being reported.

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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
On or around XX/XX/scrub> 2025, I received a written notice from Southern Credit Recovery , Inc. ( XXXX ) regarding an alleged debt in the amount of {$690.00}. The letter stated that the balance was owed to XXXX XXXX XXXX XXXX XXXX XXXX, with reference number XX/XX/XXXXXXXX. The correspondence was signed by XXXX XXXX, Account Representative, and included contact numbers XXXX and XXXX, along with a mailing address in XXXX, Louisiana. 
The notice demanded immediate payment of {$690.00}, warning that failure to pay or set up a payment plan would cause the company to assume you do not intend to pay and that further collection procedures may be necessary. It also included the statement that unpaid debts may be reported to national credit bureaus, which I interpreted as a threat meant to pressure payment before any verification of the debt. 
I have not received any documentation verifying the validity of this debt. The companys letter did not include details such as the date of service, billing breakdown, or any original statements from XXXX XXXX XXXX XXXX to prove that I owe this amount. I believe this debt collection notice violates the Fair Debt Collection Practices Act ( FDCPA ) because : XXXX. The debt collector failed to provide verification or sufficient documentation of the debt when first contacting me. 
XXXX. The language used in the letter appears threatening and coercive, implying negative credit consequences and further collection procedures if immediate payment was not made. 
I am requesting the CFPB to review this companys practices and ensure that they are following all legal requirements for debt verification and fair communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I have identified as inaccurate, incomplete, or unverifiable. I am requesting that each item be thoroughly reinvestigated and corrected in accordance with my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ). These inaccuracies are negatively affecting my credit profile, and it is imperative that my report reflect only complete, accurate, and verifiable information. 
Charge-Off Accounts in Dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$320.00} These charge-off accounts are reported inconsistently with my verified account statements. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to provide accurate information to credit reporting agencies. I request that contact the original creditor directly to verify the accuracy of the balances, account status, and payment history. If verification can not be completed, the reported information must be corrected to accurately reflect the true history of these accounts. 
Collection Accounts in Dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} These collection accounts appear to contain inaccurate or unverifiable information regarding balances and payment history. Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I request that reinvestigate these entries by contacting the original creditors or collection agencies to ensure the reported data is complete, accurate, and verifiable. Any information that can not be substantiated must be corrected to reflect the actual account history. 
Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries are included in my report without sufficient evidence of their accuracy and proper reporting. Under FCRA 604 ( a ) ( 1 ) and 604 ( a ) ( 2 ), each inquiry must be supported by a permissible purpose and properly documented. I request verification of each inquiry directly with the reporting entity, including the date, authorization, and purpose for which it was recorded. If verification is not provided, the inquiry must be corrected or updated to accurately reflect the reporting details.

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 2025-11-13 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates is attempting to collect a charged-off XXXX XXXX account that I do not owe. I am a victim of identity theft. I requested validation of the debt and specifically asked for proof containing my wet signature or original application. 

Instead of providing a signed agreement or valid verification, they only sent a copy of an old XXXX XXXX billing statement and a letter stating they purchased the account. 

I have repeatedly disputed this debt and informed them it is the result of identity theft, but they continue to pursue collection and/or report this account to the credit bureaus. 

This conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I started to pay the debt, but they did not send verification of debt to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
RE : Formal Dispute of LVNV FUNDING LLC Inaccurate, Unverifiable, and Legally Non-Compliant Reporting To Whom It May Concern : I am formally disputing the LVNV Funding LLC collection account appearing on my credit reports. 
This account is unverified, inaccurate, incomplete, and reported in violation of federal law, and I demand its immediate deletion. 

LEGAL GROUNDS FOR DISPUTE You are hereby notified of the following violations : FCRA 15 U.S.C. 1681i Failure to Reinvestigate/ Provide Verification There is no original creditor contract, itemized accounting, or legal chain of title proving LVNV Funding has the lawful right to report this debt.

If you can not furnish physical evidence within 30 days, the account must be deleted.

FCRA 15 U.S.C. 1681b Impermissible Purpose LVNV Funding is a factoring company/debt buyer, not the original creditor.

If you can not produce proof of assignment or legal right to report, you are reporting data without permissible purpose, which mandates removal.

FDCPA 15 U.S.C. 1692e & 1692f False/Unfair Collection Practices Any continued reporting of an unvalidated debt is a misrepresentation under 1692e and an unfair practice under 1692f. 

REQUESTED ACTION Delete the LVNV Funding LLC account from all three bureaus if you can not obtain complete verification. 
Provide me with copies of all documentation used in your reinvestigation. 

Failure to comply will require deletion under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
There are multiple hard inquiries on my Experian credit report that I did not authorize or for which I have not received proper verification. The inquiries listed are : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I requested that Experian verify these inquiries by providing the original signed application or electronic authorization associated with each pull. No verification was provided. 

If the companies can not prove that I initiated credit applications or provided authorization, these inquiries are inaccurately reported and should not be appearing on my Experian credit file as permissible-purpose pulls. 

This raises concerns under the FCRA accuracy and permissible purpose provisions.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
on XX/XX/year> i realize someone open a business account using my name and company XXXX XXXX there was three account XXXX bank, XXXX XXXX and XXXX XXXX XXXX XXXX .i need these accounts remove immediatley from chexysystem.

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 2025-11-13 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had called Bank of America 4 times regarding setting up autopay. Each time its setup, it fails. The last time ( in XXXX ) I had it setup under autopay i was assured that this would not be a problem moving forward. The software did not attempt a payment for the next date and I was hit with late fees that were reported onto my credit score. I called to ask them to fix it and they noted that, despite it being their fault, that they could not reimburse me for the damages ( fees and credit score ). I asked that send me confirmation of my account closure in addition to any my last statement balance. They said they would but then never did. The account is now closed and I cant access the app to receive the statement balances. I'm very frustrated by this as its significantly damaged my credit score by dropping it XXXX points!

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
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Novo Platform Inc.
State: IL

Complaint narrative:
I have a bank account with NOVO bank and filed a dispute on XX/XX/year>. This was done on a debit card, and after XXXX business days they refuse to provide provisional credit. This is a violation of Regulation E and I have tried to contact them 3 times. 


Today You XXXX XXXX  Dear XXXX XXXX Department, On XX/XX/year>, i filed a dispute for a total of {$580.00} from a fradulent transactions, I cancelled my card and it was reported In accordance with Regulation E ( for debit transactions )/ Regulation Z ( for credit card transactions ), I respectfully request provisional credit to be issued within XXXX business days while your investigation continues. 
It has now been over XXXX  days with no credit which is not in line with the law, I understand your process but please respond and approve the request. 
Please confirm receipt of this message, Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Thank you for your patience. I understand that you wanted to receive a provisional credit.

Regrettably, Novo is currently unable to provide provisional credit. However, please be advised that a dispute has been filed.

Please be assured that we have filed a dispute about your transaction with the merchant. The investigation for this can take up to XXXX  days to be conducted. We do not expect this dispute to take the full XXXX  days, but the team is always allotted that window of time for their investigation. During this period, you will receive updates regarding your claim via email.

Our Disputes Team will be in touch if they have any additional questions or concerns about your dispute, so please keep a watchful eye out for our emails. 
You XXXX XXXX  So you are teling me that you are breaking Regulation XXXX? Please confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Ive try to contact Santander bank for the last 3 weeks. Hold times are over an hour and Ive lost too much time from work to resolve a simple issue Im requesting for the bank to remove the monthly fee they have charged for the last 3 months I was not aware and they did not disclosed. 
Also I sent this complaint previously and never got a response : Complaint against Open  bank and Santander I spoke to your employee XXXX which is incompetente to resolve an issue I want the call to be investigated. He denied me speaking to a manager. My issue has not been resolved. Employed refused to provide supervisor name. This is unacceptable. And several complaints are being submitted. Im requesting {$100.00} Fir the time is takin me to resolve this issue

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 2025-11-13 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: GA

Complaint narrative:
I am submitting this letter as a XXXX follow-up on my previous disputes regarding the following accounts that continue to appear on my credit report despite being inaccurate, unverifiable, and unlawfully reported. These accounts have caused ongoing damage to my creditworthiness, and I am requesting permanent removal of these items as provided for under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .As previously stated, the continued reporting of these items violates federal law, specifically : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Requires that all credit reporting be accurate and complete.

FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) : Mandates that if an item on a credit report is disputed, the credit reporting agency must conduct a reasonable investigation to determine its accuracy or validity.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that furnishers of information provide accurate and complete information.

FDCPA 809 15 U.S.C. 1692g : Protects consumers by requiring that debt collectors validate the debt before reporting it to credit bureaus.

FDCPA 807 15 U.S.C. 1692e : Prohibits debt collectors from making false or misleading representations about debts, including reporting erroneous information.

FCRA 605B 15 U.S.C. 1681c-2 : Provides protection against the reporting of fraudulent information related to identity theft or misreported debts. 
The following accounts remain inaccurately reported : XXXX  XXXX XXXX ( Balance : {$0.00} ) This account was paid and closed but continues to be reported as late. 
XXXX  XXXX ( Balance : {$0.00} ) Listed as charged off without valid supporting documentation. 
XXXX XXXXXXXX ( Balance : {$7400.00} ) Inaccurately listed as charged off without a proper 1099-C form. 
XXXX XXXX XXXX XXXXXXXX ( Balance : {$1000.00} ) No sufficient validation has been provided for this collection. 
XXXX XXXX ( Balance : {$180.00} ) No validation provided from the debt collector. 
I have previously submitted all necessary identification, proof of address, and supporting documentation. Despite this, these accounts remain on my report, and I am requesting their permanent removal under the applicable provisions of the FCRA and FDCPA.In accordance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I am reiterating my formal request for the immediate deletion of these accounts. The continued failure to resolve these disputes promptly constitutes a violation of my rights under FCRA 607 ( b ) and other related statutes, and I am requesting an expedited resolution in compliance with the law.

Company response to consumer: Closed with explanation