vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. Validate Account XXXX Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
I am submitting this complaint against TransUnion, LLC for reporting multiple unauthorized and unverified hard credit inquiries on my consumer credit report. These inquiries were not initiated or approved by me and were added without permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Due to the current government shutdown, the Federal Trade Commission ( FTC ) is unavailable to receive my dispute, so I am submitting this directly through the Consumer Financial Protection Bureau ( CFPB ) for immediate review and enforcement. 

I am demanding that TransUnion remove these inquiries within XXXX ( XXXX ) business days from the date of this filing, as they are damaging my credit profile and were not authorized by me. 

Details of Unauthorized Inquiries Reported by TransUnion ( File ID : XXXX ) : XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX Requested Resolution : Immediate investigation and removal of all listed inquiries from my TransUnion credit report. 

Written confirmation that these items have been deleted. 

Compliance with FCRA 604 ( a ) ( 3 ), which requires a permissible purpose for any inquiry.

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 2025-10-26 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: NJ

Complaint narrative:
FORMAL NOTICE OF CONTINUING INACCURACY & REQUEST FOR PERMANENT BLOCKING OF ERRONEOUS ACCOUNT UNDER FCRA 1681i ( a ) ( 5 ) ( A ) Subject : Formal Request to Block and Delete Fraudulent and Fiscally Inaccurate Charge-Off Account Furnished by XXXX XXXX XXXX XXXX XXXX ) This letter serves as a formal legal demand under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ), requesting the immediate blocking, suppression, and deletion of an account falsely reported by XXXX XXXX XXXX XXXX XXXX ). 

I currently have an active complaint before the Consumer Financial Protection Bureau ( CFPB Case No. XXXX ) for DFCs knowing and willful furnishing of materially false and contradictory credit information to the national consumer reporting agencies ( Experian, Equifax, TransUnion ) XXXX 

In DFCs own written admission ( dated XX/XX/XXXX ), the company stated that it internally charged off a loan balance on XX/XX/XXXX, yet later repossessed and sold the vehicle in XX/XX/XXXX. 
This admission establishes that : XXXX. The account was declared uncollectible before repossession a factual impossibility under the Uniform Commercial Code 9-610 ; and 2. DFC continued to report a charge-off even after recovery and liquidation of the collateral, creating a false, misleading, and defamatory representation of debt status.

Such conduct constitutes multiple violations of federal law, including : FCRA 607 ( b ) : Failure to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be false.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character or legal status of a debt. 

Because the furnisher is under active CFPB investigation and has already admitted factual contradictions, continued publication of this tradeline constitutes ongoing harm to my credit reputation and financial integrity.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX  and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The XXXX has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status XXXX is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.

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 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I redeemed rewards for two gift cards online, XXXX  XXXX XXXX XXXX {$75.00} and XXXX {$5.00}. I received an email reply, Rewards Update, dated XX/XX/XXXX. I did not receive confirmation email within the 5days. There were two redemption ID # s on the email, so I wasn't sure there would be a separte " confirmation email. '' I never received a separate email. I tried to use the redemption # s on the respective store sites, neither was recognized. 

I contacted Client Support XX/XX/XXXX, I was transferred to a " XXXX XXXX '' ; the prompts were not specfic to gift cards, only travel. I called for a specific XXXX XXXX  phone number, which ended back with the travel. I called the XXXX ( customer service as listed on a statement ) I was offered the XXXX XXXX  again and requested to speak to a supervisor, who only offered the XXXX XXXX as well. 

I wrote a letter to XXXX XXXX dated XX/XX/XXXX sent XXXX to Synchrony Bank/Care Credit XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX I received the XXXX back dated XX/XX/XXXX. I have not received any communication in response to my issues to date,

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 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
b'FDCPA Violation  Improper Debt Validation and Continued Collection Activity by Jefferson Capital Systems, LLC\n\nTo Whom It May Concern,\n\nI am filing a formal complaint against Jefferson Capital Systems, LLC for violating the Fair Debt Collection Practices Act (FDCPA), specifically **15 U.S. Code  1692g(b)**.\n\nOn XXXX XXXX XXXX, I mailed a written debt validation request to Jefferson Capital Systems, LLC via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX).\n\nTheir response included only a past due billing statement dated XXXX XXXX XXXX, listing a balance, billing cycle, creditor name, and partial account number.\n\nThis response did not include full verification of the debt as required by law. It lacked:\n  - The name and address of the original creditor\n  - A detailed account history or signed agreement\n  - Proof of legal authority to collect the debt\n\nDespite this, Jefferson Capital Systems, LLC continued collection efforts, including offering a reduced settlement.\n\nThis behavior violates the FDCPAs requirement that debt collectors cease collection activity until proper validation is provided. I am requesting that your office investigate this matter and take appropriate action to ensure compliance.\n\nI am prepared to provide:\n- A copy of my certified mail receipt\n- The original validation request\n- Jefferson Capitals response\n- Any follow-up communications or collection attempts\n\nThank you for your attention to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) to my loan servicer ( ROCKET MORTGAGE ) on XX/XX/year>, and again on XX/XX/year>, requesting information about my loan account and its current status. The servicer has never acknowledged or responded to either request, which violates Regulation X ( 12 C.F.R. 1024.3536 ) under the Real Estate Settlement Procedures Act ( RESPA ). 

In my correspondence, I included documentation and private payment coupons that I believe demonstrate the loan obligation has been satisfied or XXXX. Despite this, the servicer continues to demand payment without providing verification of the debts validity. 

I also have reason to believe the lender or servicer XXXX have filed a Form XXXX ( Cancellation of Debt ) with the IRS, which would indicate that the obligation has been cancelled. I have not received any documentation confirming whether this has occurred. 

If the loan has been cancelled or otherwise satisfied, continued attempts to collect would constitute unfair or deceptive practices under the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> To : NATLCRSYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Request to Remove Fraudulent Apartment Account and Notify Collections Agency of Identity Theft Dear Property Management Representative, I am contacting you regarding an apartment account and/or collection that appears on my credit report under your companys name ( Account : NATLCRSYS XXXX ). I recently discovered that this account was opened or used fraudulently in my name. I have never signed a lease or resided at your property, and I did not authorize anyone to do so on my behalf. 
I am a victim of identity theft, and I have filed an official Identity Theft Report with the Federal Trade Commission as well as a police report with my local department. Copies of both documents are enclosed for your records. 
Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), I request that you : XXXX. Cease all collection activity and instruct your collection agency ( if applicable ) to delete the account and stop reporting it to credit bureaus. 
XXXX. Provide written confirmation that you have notified your collection agency of this fraud claim. 
XXXX. Send me a copy of any documentation ( lease, application, identification, etc. ) used to open or verify this account so that I XXXX provide it to law enforcement. 
This fraudulent account has caused significant harm to my credit and reputation. I appreciate your cooperation in removing this record promptly. If you need to verify my identity, please use the enclosed copy of my government-issued ID and proof of address. 
Please respond in writing within 14 days confirming the actions taken. I am also happy to cooperate further to assist your fraud department or local authorities in identifying the responsible party. 
Thank you for your prompt attention to this matter. 
Sincerely, __________________________ XXXX XXXX Attachments : Copy of government-issued ID ( drivers license ) Proof of address ( utility bill or bank statement ) Police report ( include report number ) FTC Identity Theft Report ( from XXXX ) Credit report page showing the fraudulent accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A checking account was opening without my permission. I told the representative I was not interested in opening an account with Wells Fargo.

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 2025-10-26 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fundo LLC
State: AZ

Complaint narrative:
Fundo LLC threatened to file a UCC lien against my business assets and falsely claimed I defaulted on my account despite proof of continued payments through XX/XX/year>. 



I entered aXX/XX/XXXX agreement with Fundo LLC around XX/XX/year>. The original authorized payment method was my XXXX debit card, but I updated my authorization to myXX/XX/XXXX XXXX account approximately one month later. 

In XX/XX/year>, Fundos collections representative confirmed in writing that my account was in good standing. However, less than a month later, Fundo claimed I had defaulted as of XX/XX/year> a statement that directly contradicts their own prior communication. They then began sending Preliminary Notices of Intent to File a UCC Lien, threatening to lien all of my business assets.

Despite claiming I was in default and refusing to negotiate a settlement, Fundo subsequently withdrew funds from my XXXX card in XX/XX/year> a payment method that had been replaced months earlier and was no longer authorized. I had also revoked authorization for them to debit myXX/XX/XXXXXXXX account. 

This withdrawal appears to violate Regulation E ( 12 CFR 1005.10 ) andXX/XX/XXXX 2.3.2 and 2.3.4, which require current and specific authorization for electronic fund transfers. It also constitutes potentially deceptive collection conduct under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ).

To date, I have paid approximately {$800.00} of the {$1100.00} total payback amount, yet Fundo has added unexplained NSF and other fees and will not provide an itemized ledger. Their communications contain false default dates, threats of legal action, and inconsistent account information. 

Requested resolution : Require Fundo LLC to provide a complete, itemized accounting of all payments, fees, and alleged defaults. 

Require Fundo to refund the unauthorized withdrawal from my XXXX card and remove any invalid or duplicate fees. 

Ensure Fundo ceases all unauthorized debits and collection threats until the account is properly reconciled. 

Require written confirmation that no UCC filing has been made or will be made without proper legal basis. 


I have attached copies of the relevant email correspondence, including their UCC lien threats and my responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> my account become negative XXXX without my knowledge, or concent. My account can only over draft XXXX dollars .. when I was trying to get the issue resolved my account went to negative XXXX while on the phone with the reps. Everything they only put me on hold it was them putting me back in the q. I went around and around for hours and nothing was resolved. Im current XXXX negative without any new transactions going through. They refuse to answer any questions I have they just say its due to pending transactions. But them pending transactions. Funds were already deducted from my account when I did the transactions. They are deducting money from my account without any transactions nor having my consent to. I'd if its realivent or not but They haven't touched my credit builder account only my checking account .. and some of my pending transactions the merchant settled for XXXX, so i recieved notifications saying that the funds were put back in my account. But I dont believe they actually were. When I first got on the phone they said that the pending transactions were all from today XX/XX/year>. But infact like I told them iv only made one today. They said so these are fraud. I advices them if any transaction has happened after the 1 transaction at XXXX for XXXX dollars then yes. But there's no transaction that came in after XXXX, until I went to get lunch and my card was declined due to me being negative XXXX somehow. Then they tried to tell me its due to sending people money, that you can send people money even if you dont have the funds. I told them no you can not. Because you cant. 

Also when I was on chat with them and I told them that when a transaction is made is when they pull the funds from my account the chat person said how sure are you XXXX... I'm very sure that ever transactii. I make funds are deducted from my avaliable balance right then and there. For the max amount a merchant will take for that transaction

Company response to consumer: Closed with explanation