vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Comenity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Account/Reference # : XXXX | Collection FORMAL DISPUTE & DEMAND FOR VALIDATION / CEASE & DESIST To Whom It May Concern : This letter is to place you on notice that I am formally disputing the alleged debt referenced above. Additionally, this is a cease and desist order under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

1. XXXX XXXX XXXXXXXX Pattern of Non-Compliance Like many debt collectors, XXXX XXXX XXXX is known for attempting to satisfy consumer requests for validation by merely sending a bill or a statement. Be advised : A bill is NOT validation under federal law. 

The law requires competent evidence that this alleged debt is valid, enforceable, and that you have legal standing to collect. 

2. Full Documentation Required To properly validate this alleged debt, I demand that you provide : A complete copy of the original signed contract or agreement bearing my signature. 

Documentation of the full chain of title/assignment from the original creditor to XXXX XXXX XXXX XXXX showing you have legal right to collect. 

A detailed accounting of the amount claimed, including all fees, interest, and charges, with proof of their legality. 

The name and address of the original creditor, as well as any intermediary debt buyers or assignees. 

Failure to produce all requested documentation will prove that XXXX XXXX XXXX has no legal right to report or collect on this alleged debt. 

3. Consequences of Non-Compliance If you fail to provide complete validation, any further reporting to the credit bureaus will constitute willful violations of the FCRA and FDCPA, defamation of character, and possible fraud. 

Any continued collection efforts without proper validation will be documented as harassment and reported to the CFPB, FTC, Arizona Attorney General, and my legal counsel for review. 

4. Cease & Desist Effective immediately, you are ordered to cease all collection activity, phone calls, and correspondence unless it is to provide full and proper validation as demanded above. 

You are on notice : this is your final opportunity to act lawfully. Provide all documents requested or remove this account from my profile immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has still not removed the unfair items from my credit report since XX/XX/year>. 

The 180 days past due is completely false. In the attached screenshots from XXXX you can see that {$0.00} past due was reported as of XX/XX/year>. 

On all of my statements from Chase, each & every statement said {$0.00} past due. 

In XX/XX/year>, Chase randomly added a {$420.00} past due item to my credit report even though I did not miss a single payment in XXXX 

The {$420.00} past due item is completely invalid & false as you can see in the attached proof. Chase must remove the false reporting from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: AL

Complaint narrative:
Elan Financial made to inquiries ( hard ) on my credit report without mu authorization

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of a 30-day late payment in XXXX XXXX on my auto loan with XXXX XXXX. I respectfully request that this late payment be removed as a goodwill adjustment. 

To clarify, I do not recall ever being more than 30 days late. The payment in question was no more than 20 days past due and was the result of a mishap when switching payment cards. This was not an intentional delinquency, but rather a one-time oversight that I corrected immediately once I became aware of the issue. 

This isolated situation does not reflect my overall payment history or my commitment to maintaining this account in good standing. Unfortunately, this reporting is significantly harming my credit profile and is impacting important financial opportunities, including the ability to pursue homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-05 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute of a collection account that has been reported in my credit history without my knowledge or consent. I was never contacted, notified, or allowed to validate the alleged debt prior to its reporting, which raises serious compliance concerns under federal consumer protection standards.

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
So far my account been blocked for a month now! My wife and I share this account and her bosses have said her check were clear. Which is odd because my checks were bounced but I can not prove to them since this account is blocked. It was a {$1200.00} check. Ive called for a whole week straight trying to get a supervisor. The whole situation was based on change of address. They send a letter out with a code to my old address. They said they couldnt help me until the address was changed which I did. I went in person to the bank and had this lovely lady help me. Yet the fraud department give us a hard time and never resolved our situation. I was in the bank for XXXX HOURS! The lady told me to try again the next day which I did. I had someone helped me finally and was told a new lettter will be mailed to me to my new address. IVE YET BE ABLE TO RECEIVE THIS LETTER. WE ARE IN XXXX! THIS STARTED EARLY XXXX. MY CREDIT CARDS ARE BEING OVERCHARGED WITH LATE FEES BECAUSE OF THIS SITUATION. I AM BEING LATE ON MY RENT BECAUSE OF THIS. I HAD TO CHANGE TO A NEW BANK AT THE MEAN TIME. I will be leaving Citibank after this because this is absurd.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Spring Oak Capital LLC XXXX XXXXXXXX XXXX XXXX, NC XXXX Re : Account/Reference # : XXXX | Collection FORMAL DISPUTE & DEMAND FOR VALIDATION / CEASE & DESIST To Whom It May Concern : This letter is to place you on notice that I am formally disputing the alleged debt referenced above. Additionally, this is a cease and desist order under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

1. Spring Oak Capitals Pattern of Non-Compliance Spring Oak Capital, like many debt buyers, is known for attempting to satisfy consumer requests for validation by merely sending a bill or a statement. Be advised : A bill is NOT validation under federal law.

The law requires competent evidence that this alleged debt is valid, enforceable, and that you have legal standing to collect.

2. Full Documentation Required To properly validate this alleged debt, I demand that you provide : A complete copy of the original signed contract or agreement bearing my signature. 

Documentation of the full chain of title/assignment from the original creditor to Spring Oak Capital, showing you have legal right to collect. 

A detailed accounting of the amount claimed, including all fees, interest, and charges, with proof of their legality. 

The name and address of the original creditor, as well as any intermediary debt buyers or assignees. 

Failure to produce all requested documentation will prove that Spring Oak Capital has no legal right to report or collect on this alleged debt. 

3. Consequences of Non-Compliance If you fail to provide complete validation, any further reporting to the credit bureaus will constitute willful violations of the FCRA and FDCPA, defamation of character, and possible fraud.

Any continued collection efforts without proper validation will be documented as harassment and reported to the CFPB, FTC, Arizona Attorney General, and my legal counsel for review.

4. Cease & Desist Effective immediately, you are ordered to cease all collection activity, phone calls, and correspondence unless it is to provide full and proper validation as demanded above. 

You are on notice : this is your final opportunity to act lawfully. Provide all documents requested or remove this account from my profile immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
MBFS, through XXXX, inaccurately reported my XX/XX/XXXX payment as late despite {$4000.00} paid XX/XX/XXXX and {$1200.00} paid XX/XX/XXXX within 30 days, harming my credit in violation of FCRA Company : Mercedes-Benz Financial Services USA LLC Product : Auto Loan/Lease Contract Number : XXXX Vehicle : XXXX XXXX XXXX I am disputing inaccurate late payment reporting on my Mercedes-Benz Financial Services ( MBFS ) auto finance account . 

MBFS requires me to use the third-party provider XXXX XXXXor all payments, since I can not make ACH payments directly. XXXX XXXXas experienced repeated processing issues that have caused timely payments to appear late on my account, resulting in negative credit reporting. 

For example, regarding my XX/XX/XXXX payment : I paid {$4000.00} on XX/XX/XXXX I paid an additional {$1200.00} on XX/XX/XXXX Both payments were submitted within the 30-day timeframe required to avoid delinquency reporting. However, MBFSs system posted the payment as XX/XX/XXXX, and my account was reported as late. This is inaccurate. 

This is not the first time this issue has occurred ; MBFS has had to correct similar late reporting errors for me in the past, which continue to harm my credit and cause unnecessary stress. 

I have supporting documentation, including XXXX payment confirmations and my credit card statement, showing the actual payment dates. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which requires that credit furnishers provide information that is accurate and complete. 

In addition, I am required to pay XXXX  convenience fees, which do not reduce my loan balance. It is unfair that I am incurring these costs while also suffering harm to my credit due to XXXX  system errors. 



Requested Resolution : Correct my XX/XX/XXXX account reporting immediately to reflect on-time payment history. 
Submit an off-cycle update to the credit bureaus so my credit report is corrected promptly. 
Implement safeguards to prevent future inaccurate late reporting due to XXXX settlement delays. 
Provide an alternative payment method ( such as ACH or direct transfer ) to avoid further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX : {$1500.00}

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 2025-09-05 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-05 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
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 explanation
Consumer complaint received 2025-09-05 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-05 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: TN

Complaint narrative:
I am reporting inaccurate accounts appearing on my credit file that do not belong to me. These accounts are the result of either identity theft or a mixed file error caused by someone with a similar name and/or address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief