vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXThe credit bureaus (Experian, Equifax, and TransUnion) failed to complete a reinvestigation and failed to delete unverified accounts within the required timeframe under the Fair Credit Reporting Act (FCRA 611).XXXX XXXX XXXX XXXX I mailed written disputes to Experian, Equifax, and TransUnion regarding multiple inaccurate collection accounts appearing on my credit report. These disputes were sent via certified mail with the following tracking numbers:XXXXExperian: XXXX XXXX XXXX XXXX XXXX XXXXEquifax: XXXX XXXX XXXX XXXX XXXX XXXXTransUnion: XXXX XXXX XXXX XXXX XXXX XXXXUnder FCRA 611(a)(1)(A), each bureau is required to complete its investigation within 30 days.XXXXNone of the bureaus respondedXXXX XXXX XXXX XXXX, I mailed a second notice (Failure to Respond / Demand for Deletion), giving each bureau an additional 15 daysXXXXNone of them responded.XXXXIt has now been well beyond the legally mandated timeframe, and all three bureaus have failed to:XXXXRespond to my initial disputesXXXXRespond to my follow-up noticesXXXXProvide investigation resultsXXXXVerify the disputed collection accountsXXXXDelete unverified information as required by FCRA 611(a)(5)XXXXUnverified accounts includeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
They called, presenting themselves as a patient from asset case i advised them i want them to remove my number and not call they stated they can keep calling cause they arent a telemarketer i advised them i dont want further calls to this number and they refused to agree to it number they called from was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am formally disputing the credit Acceptance account listed on my credit report. The account is reported as closed, yet it continues to show negative information including repossession status that is inaccurate, incomplete, and causing ongoing harm to my credit score.

from my understanding under the Fair credit reporting Act all information reported must be accurate, complete, and verifiable. the credit Acceptance entry fail to meet those standards XXXX. The account is reported as closed, but negative activity tied to an open or recent status is still being displayed XXXX. The reported repossession details appear inconsistent and unverifiable XXXX. The data furnished does not accurately.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made a deposit on XX/XX/year> and they suspected the check to be fraudulent and it might not be paid but they havent returned my check or if they deposited it they havent made it available and Im getting no answers from them. This was a XXXX XXXX check because of my recent stay in the hospital. Its an insurance I have through my employer if Im hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XX/XX/year> and again On XX/XX/year> requesting copy of signed loan documents they are claiming I owe. We have not received anything but XXXX XXXX collection agency request for payment letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I am submitting this complaint because the company is reporting inaccurate information on my credit report and has refused to conduct the legally required FCRA investigation. I disputed the account directly with the company and requested verification of the payment history, balance, and all information they are furnishing. The company did not investigate and instead falsely claimed that I am not their customer, which is incorrect. I am the sole consumer associated with this account. 

Their refusal to investigate violates the Fair Credit Reporting Act, including 602 ( requiring maximum accuracy ) and 611 ( reinvestigation requirement ). I requested documentation supporting the tradeline and the payment history they are reporting, and they did not provide it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within XXXX ( XXXX ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over XXXX days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-01 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Inquiries : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is well documented. As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 
1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. 
Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o. 
Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank did not apply any of the money paid on four ( 4 ) payments toward the loan principal. Nowhere in our loan documents does it state they would do that. We called several times for payoff amounts and the amount would go up after a payment was made. The interest and principal amounts changed by a great deal every month. There was no way for us to know if US Bank was applying the payments correctly or not.

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 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing a XXXX XXXX loan serviced by XXXX because I withdrew from XXXXXXXX XXXX before earning the loan funds, and the loan should have been partially or fully returned. 

My loan disbursed on XX/XX/XXXX for the XXXX XXXX term. I officially withdrew from XXXX XXXX on XX/XX/XXXX. Under school and lending rules, loan funds must be returned when a XXXX withdraws early. 

XXXXXXXX XXXX did not return the loan funds after my withdrawal, and I did not attend the full term. I did not benefit from the loan funds, and the school incorrectly certified or retained the funds. 

I notified XXXX that the loan was improperly certified and that I am not liable for a disbursement made for a term I did not attend. XXXX has continued to bill me despite the withdrawal date proving I was ineligible to retain the loan funds. 

I am requesting a full investigation into the improper certification, verification of funds returned by XXXXXXXX XXXX, and a correction of the balance. This loan should not be collectible because I withdrew before earning or using the funds.

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 2025-12-01 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: IL

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/year>, I went to the bank to withdraw money to pay my rent, and the bank withheld all of my funds claiming a debt from another account that had already been closed. I did not receive any prior notice or clear explanation, and this has left me in a critical situation to cover my housing due first of the month. They didnt help me just gave me a number to call and the lady didnt gave me any options and didnt showed any empathy for my situation it did not offered me a payment plan. I request that the bank immediately return my funds and that this improper charge be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: River Heights Capital LLC
State: NC

Complaint narrative:
Company : River Heights Capital LLC Attorney / Collector : XXXX XXXX XXXX Court case : XXXX XXXX XXXX, XXXX XXXX, OH Case Number : XXXX XXXXXXXX Amount in dispute : {$8600.00} + fees ________________________________________ Complaint Summary I am filing this complaint because River Heights Capital LLC and their attorney, XXXX XXXX XXXX, are attempting to collect a debt based on a judgment that was entered without proper legal service, denying me notice and due process. The court docket shows repeated failed service attempts, including certified mail returned Unclaimed, Insufficient Address, and most recently Undeliverable as Addressed on XX/XX/year>. I had already relocated out of Ohio at the time, and I never received any lawsuit paperwork or judgment notice. 
I only recently discovered the existence of this judgment while reviewing public court records. Despite being informed of improper service, River Heights Capital has continued collection efforts, including attempted bank garnishment. 
________________________________________ Collector Behavior The attorney currently pursuing collection only substituted into the case in XX/XX/year>, approximately four years after the judgment was issued, and began attempting enforcement without filing a Motion to Revive and without validating service. The judgment appears to have been dormant, and enforcement attempts were made without procedural compliance. 
In addition, instead of resolving this matter legally in court, the attorney sent me an adversarial and intimidating letter, attempting to scold and pressure me after I filed a XXXX complaint. This communication felt designed to discourage me from exercising my rights and to intimidate me outside of the formal legal process. 
________________________________________ Requested Resolution Cease all collection and enforcement activity Investigate improper service and improper enforcement Vacate judgment and dismiss the debt Ensure removal of any related negative reporting Review attorney conduct for potential harassment/intimidation Require future communication to follow proper legal channels only ________________________________________ Consumer Harm These actions have caused emotional stress and financial anxiety as I recently relocated out of state for employment and am trying to stabilize financially. Ongoing threats of garnishment and coercive letters are creating significant distress. 

________________________________________ Documentation Available Docket entries showing failed service and returned mail Motion to Vacate Copy of letter from attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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