vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: AR

Complaint narrative:
Re : CFPB Case Number : XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXX  Submitted By : XXXX XXXX , Authorized Consumer Advocate Dear CFPB and XXXX XXXX  XXXX Thank you for the response dated XX/XX/year>, regarding the auto loan account tied to XXXX XXXX and XXXX XXXX XXXX After reviewing the response, several concerns remain unresolved, and additional clarity and accountability are requested.

1. Acknowledged Contract Errors XXXX  has admitted that some information was either incorrectly stated or omitted in the original Retail Installment Contract. This is a significant issue under UCC and consumer contract law, especially when the corrected version was only mailed after the agreement was signed. The consumer did not receive, review, or sign the revised terms. No proof of receipt or affirmative agreement to those changes has been provided. 

2. Lack of Due Process Before Repossession XXXX  claims to have sent a Notice of Intent and Plan to Sell Property after repossession. However, the consumer did not receive the legally required Right to Cure Notice, nor was there a reasonable window offered to reinstate or redeem the vehicle. XXXX  must show proof of delivery for those notices, not merely internal records. 

3. Credit Reporting Discrepancies Despite disputes submitted via the credit bureaus, the tradeline continues to report inaccurately and lacks dispute notation in compliance with 15 U.S.C. 1681s-2 ( a ) ( 3 ). XXXX  has not provided : A complete investigation report Copies of all notices sent Validation of the debt post-repossession 4. Incomplete or Misrepresented Account History The response includes a payment history and deficiency notice. However, no documentation has been provided validating how the deficiency balance of {$9500.00} was calculated, nor whether the vehicle was sold at a commercially reasonable price under UCC 9-610.

Requested Relief : Full removal of this account from all credit bureaus due to contractual errors, lack of consent to revised terms, and flawed repossession process. 
If not removed, require XXXX to validate the deficiency balance, show proof of mailed notices, and provide a signed acknowledgment of the revised contract from XXXX XXXX. 

The consumer respectfully requests the CFPB to intervene and require XXXX to comply with federal credit reporting obligations and consumer contract transparency. 

Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, AR 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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Re : CFPB Case Number : XXXX Consumer : XXXX XXXX Respondent XXXX XXXX XXXX  Submitted By : XXXX XXXX , Authorized Consumer Advocate Dear CFPB and XXXX XXXX  , Thank you for the response dated XX/XX/2025, regarding the auto loan account tied to XXXX XXXX and XXXX XXXX XXXX After reviewing the response, several concerns remain unresolved, and additional clarity and accountability are requested. 

1. Acknowledged Contract Errors XXXX  has admitted that some information was either incorrectly stated or omitted in the original Retail Installment Contract. This is a significant issue under UCC and consumer contract law, especially when the corrected version was only mailed after the agreement was signed. The consumer did not receive, review, or sign the revised terms. No proof of receipt or affirmative agreement to those changes has been provided. 

2. Lack of Due Process Before Repossession XXXX  claims to have sent a Notice of Intent and Plan to Sell Property after repossession. However, the consumer did not receive the legally required XXXX to XXXX Notice, nor was there a reasonable window offered to reinstate or redeem the vehicle. XXXX  must show proof of delivery for those notices, not merely internal records. 

3. Credit Reporting Discrepancies Despite disputes submitted via the credit bureaus, the tradeline continues to report inaccurately and lacks dispute notation in compliance with 15 U.S.C. 1681s-2 ( a ) ( 3 ). XXXX  has not provided : A complete investigation report Copies of all notices sent Validation of the debt post-repossession XXXX. Incomplete or Misrepresented Account History The response includes a payment history and deficiency notice. However, no documentation has been provided validating how the deficiency balance of {$9500.00} was calculated, nor whether the vehicle was sold at a commercially reasonable price under XXXX XXXX. 

Requested Relief : Full removal of this account from all credit bureaus due to contractual errors, lack of consent to revised terms, and flawed repossession process. 
If not removed, require XXXX to validate the deficiency balance, show proof of mailed notices, and provide a signed acknowledgment of the revised contract from XXXX XXXX. 

The consumer respectfully requests the CFPB to intervene and require XXXX to comply with federal credit reporting obligations and consumer contract transparency. 

Sincerely, XXXX XXXX On behalf of XXXX XXXX Phone : XXXXXXXX Email : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, AR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
b'Collection \nMidland credit management inc \nXXXX\nXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple serious inaccuracies and unauthorized activities reflected in my credit reports across major consumer reporting agencies. Despite previous attempts to resolve these matters, I am still facing the same issues. I respectfully request the CFPBs immediate intervention to investigate and resolve the following : Accounts Disputed XXXX XXXX ( Account XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$27000.00} ) * * Issue : Multiple late payments reported inaccurately. I dispute all reported late payments on this account.

Law : Under FCRA 1681i ( a ), disputed items must be fully verified. If the furnisher fails to validate, the inaccurate data must be removed. Additionally, FDCPA 15 U.S.C. 1692e prohibits false representations during debt collection.

Story : I have maintained timely payments and have documentation to prove my compliance. The reporting of these late payments is incorrect and unjustly harms my credit score. I demand full verification or deletion of this false data immediately. 
XXXX XXXX ( Account XXXXXXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$1400.00} ) * * Issue : Account incorrectly marked as charge off. This is false and unverified. 
Law : FCRA 1681s-2 ( b ) obligates furnishers to promptly update and correct inaccurate information after notice of dispute.

Story : This charge off status appears without valid cause. I have contacted the creditor, and they have no record supporting this charge off. This erroneous status causes severe damage to my creditworthiness and must be removed. 
XXXX XXXX ( Account XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$0.00} ) * * Issue : Late payments reported that I dispute. I have proof of timely payment. 
Law : FCRA 1681i mandates reinvestigation of disputed items and correction of errors. Continuing to report inaccurate delinquencies is a violation of FCRA and unfair credit reporting practices.

Story : This inaccurate negative reporting falsely depicts me as delinquent and reduces my chances of obtaining credit. I demand immediate reinvestigation and correction.

Resolution Sought : 1. Immediate investigation into all the above-listed inaccurate items.

2. Permanent removal of the two false addresses from my credit profile.

3. Removal or correction of the three disputed accounts based on verification results.

4. Removal of all unauthorized hard inquiries listed above.

5. Written confirmation of the resolution from each involved consumer reporting agency.

This situation has caused me great XXXX  and has seriously harmed my financial standing and peace of mind. I urge the CFPB to treat this matter as urgent and ensure the responsible parties comply with their obligations under federal law.

Thank you for your time and assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Account Name : XXXX & XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$140.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Account Name : XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-02 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: I.C. System, Inc.
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine. I have disputed them but they have not been deleted.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine. I have disputed them but they have not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
This is a formal follow-up complaint against Reliant Capital Solutions XXXX I previously filed a CFPB complaint on XX/XX/year> regarding their collection account, which was reported to the credit bureaus without proper debt validation, despite XXXX separate written requests from me. Reliant failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), which clearly states that a consumer has the right to request verification of the debt, and the collector must cease collection activity until such validation is provided.

Instead of validating the debt or removing it, Reliant simply marked the account as Closed on my TransUnion report and they havent deleted it from my Equifax without any communication, documentation, or resolution. Let me be clear : closing an unvalidated collection account is not an acceptable resolution, and it continues to harm my credit profile.

Because Reliant did not meet the legal requirements for debt validation and continued to report the account while in violation, I am demanding that the account be fully deleted from all credit reporting agencies. Anything less is an ongoing violation of my consumer rights.

If this matter is not resolved promptly with full deletion, I will escalate this issue by filing complaints with the Federal Trade Commission ( FTC ), my state Attorney XXXX XXXX, and consider contacting the Consumer Law Division for legal recourse. 

XXXX has already demonstrated noncompliance with federal law. The CFPB should hold them accountable and require the immediate and permanent deletion of this account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I recently reviewed my credit report and was shocked to discover a debt collection entry from XXXX  XXXX XXXX that resulted in a XXXXpoint drop in my credit score. This is both unexpected and deeply concerning, especially as I have not lived at that address in over four years.

I have not received any communicationno mail, phone calls, or emailsregarding this alleged debt. Had I been made aware of it, I would have resolved the matter immediately. The lack of notification and the sudden appearance of this account after such a significant period raises serious concerns about the validity and timing of this collection. I can't even go to their website to pay it off because I do not have the reference number because no one has contacted me about it.

I respectfully request a thorough investigation into this matter. If this debt was reported in error or in violation of standard reporting practices, I ask that it be removed from my credit report and that my credit score be adjusted accordingly.

Thank you for your attention to this matter. I am happy to provide any additional information needed to resolve this promptly.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and conflicting information on my credit report. The account in question is listed as : Creditor : JEFFCAPSYS ( Account ending in XXXX XXXX  XXXX ) Balance : {$2400.00} Reported Open but also marked Account Closed Date Closed : XX/XX/year> ( which is clearly invalid ) This account is being reported with conflicting and outdated information that can not be verified, including a closure date that predates the account 's opening. I am requesting an immediate deletion of this account from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611.

Please complete this investigation within 30 days and provide written confirmation of the results. You may send correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Name is XXXX XXXX phone number is XXXX on XX/XX/XXXX opened up a banking account checking and savings at the Wells Fargo on XXXX XXXX XXXX XXXX in XXXX Texas XXXX and was giving bank account numbers that match phone numbers from the XXXX Texas area and the XXXX Texas area I have photos of both and they appear to be fraudulent I was also given a company account not a personal account she put my social security in in the ecn I have an ecn number and it should just be a personal checking account on campus at XXXX XXXX XXXX  at XXXX and student here and just needed basic Banking and

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am 100 % XXXXXXXX XXXX XXXX of the XXXX XXXX. I was helping a fellow XXXX get back home. I am trying to secure a rental car for my airport transfer and all my Chase-issued credit cards kept getting repeatedly declined. I am more than 2000 miles away from my current residence and risk being stranded with no funds. I have available credit and no fraud notifications. I have called at least XXXX different phone numbers attached to JP Morgan and Chase and no one wants to help aside from reading a script or transferring me to a closed line. I am legitimately considering suicide as I type this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because inaccurate and harmful information continues to appear on my credit report despite my efforts to dispute it directly with the credit reporting agencies. This is my second attempt to resolve these issues, and they remain uncorrected. The ongoing reporting of false addresses, unauthorized inquiries, and inaccurate late payments is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
Below is a breakdown of the specific items I am disputing : XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Late Payment Issue : I dispute the legitimacy of this debt and the reported delinquencies Law : FCRA 1681i entitles me to reinvestigation, and FCRA 609 ( e ) gives identity theft protections Story : I attempted to clarify this with the creditor but received no valid documentation or response. I believe this may be fraudulent or assigned in error. This record has drastically lowered my score and impacted a mortgage pre-approval. I am requesting deletion unless full validation can be produced XXXX XXXX Dated : XX/XX/XXXX Issue : No credit application was made ; inquiry is invalid Law : FCRA 604 requires that users of consumer reports certify their permissible purpose Story : This inquiry was unexpected and unauthorized. I had no dealings with XXXX at the time. I request complete deletion and full documentation of the permissible purpose if it is to remain XXXX  Inquiry Dated : XX/XX/XXXX Issue : I dispute the validity of this inquiry Law : FCRA 615 ( h ) requires credit bureaus to disclose the purpose and recipient of the inquiry Story : This hard pull was never authorized and might be duplicate or erroneous. It has caused a dip in my credit score and has led to credit denials. If it can not be verified, it must be removed Requested Resolution : Immediate investigation into these inaccuracies Permanent deletion of all incorrect addresses Deletion or correction of the disputed account information unless fully verified with documentation Deletion of all unauthorized or unverified hard inquiries Sanctions or enforcement action against parties found to be in willful noncompliance I am attaching my detailed dispute letter and identification to support this complaint. Thank you for your assistance in holding the data furnishers and credit bureaus accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted a mortgage company to purchase a home and was told that I have several negative items reporting on my credit reports.

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