vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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:
To Whom It May Concern, I am filing a formal dispute regarding multiple items on my Equifax credit report that appear inaccurate, unauthorized, or improperly reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws, I request immediate action to correct and/or remove these items and to cease any further reporting that violates my rights. 

Unauthorized Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX I did not authorize these inquiries, and their reporting constitutes a violation of 15 U.S.C. 1681b, which limits access to consumer credit reports to authorized purposes only. 

Collections Potentially Inaccurate or Disputed : XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX Reported XX/XX/XXXX I dispute these collections and request that Equifax conduct a thorough investigation as required under 15 U.S.C. 1681i and remove any item that can not be fully verified. 

Closed Accounts Reporting Accuracy Concerns : XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX DEPT OF EDXXXX Reported XX/XX/XXXX I request confirmation that these accounts are reported accurately and that any discrepancies be corrected immediately under 15 U.S.C. 1681e ( b ) and 1681c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX Synchrony Bank : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXconfirm that unverifiable or misleading data can not lawfully remain on a consumers 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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: MI

Complaint narrative:
I have found this account to be fraudulent under FCRA and 605 b this account with XXXX ACCT # XXXX is an account that can show I didnt use it nor make purchases or payments. I called and found this is a XXXX XXXX card and I dont own a home to use that type of store. I am requesting this account be removed and I have filed a complaint with the FTC and XXXX XXXXXXXX XXXX was reported but was not and they said I can ask for a good faith removal due to me being sick and off work when they agreed to give me a 30 day extension. I am asking for this account to be updated as current. 
XXXX XXXX XXXXis an old account that was charged off and carrys a balance still and is under violation thru the FCRA and needs to be removed because the creditor didnt issue me a XXXX after they wrote it off. 
XXXX XXXX XXXX was not authorized by me I have a lease with XXXX that wouldnt allow me to get a new car at that time

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 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
I make my monthly mortgage payment. I increase my payment to straight principal only for each payment. After I submit my on time mortgage payment with additional principal payment only. The mortgage company moves my money and puts it into a " suspense balance '' account. My payment does not go through, and I have to call to complain. This has happened to my XXXX, XXXX, XXXX, and XXXX payments. Then my account goes in delinquency because I have not paid my mortgage payment, but I actually have. I can provide evidence of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NV

Complaint narrative:
I am sending this complaint regarding the inconsistent and inaccurate reporting of XXXX XXXX XXXX XXXX, which appears with a balance of {$16000.00} in the version from Experian, {$15000.00} in the version from Equifax, and {$16000.00} in the version from TransUnion, creating conflicting information that is misleading and unverifiable, and this violates my rights under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information, under FCRA 623 ( a ) ( 2 ) because the furnisher has a duty to correct and update incomplete or inaccurate information, under FCRA 623 ( b ) because the furnisher is required to conduct a full investigation upon notice of a dispute, and under FCRA 602 because Congress mandated that consumer reporting must be fair, accurate, and reliable, yet the continued presence of multiple conflicting balances demonstrates that these obligations have not been met

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Account was closed, from XXXX XXXX, on XX/XX/year> through a XXXX  XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear BOA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers 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 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear XXXX XXXX  ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-10 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: FL

Complaint narrative:
I am filing this complaint because my credit reports with Experian, Equifax, and TransUnion contain multiple inaccurate, unverified, and unlawfully reported items in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The credit bureaus continue reporting late closed accounts with {$0.00} balances despite multiple disputes and a lack of proper verification, including XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX, EQ, and TU ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX and TU ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX, EQ, and TU ; XXXX  XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX appearing in EX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX, EQ, and TU. Along with these, several inquiries appear on my reports without any demonstrated permissible purpose under FCRA 604, which include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX reporting in EX ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX reporting in EQ ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX  XX/XX/XXXX reporting in TU. These issues reflect a continuing failure by the bureaus and furnishers to ensure maximum possible accuracy, to properly investigate disputes, and to validate or remove items that can not be supported by legally required documentation.

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 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TEXAS CAPITAL BANCSHARES, INC.
State: SC

Complaint narrative:
Opened an account for a promotion. Funded the account via wire transfer within 30 days of opening, however the bank had already started closing the account. The wire was rejected. I was told I could open a new account, but it looks like the new account will not qualify for the {$300.00} bonus which was the reason I opened the account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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 ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
The information is incorrect and I had demanded removal immediately and investigation within 30 days along with conducting a full investigation as to the incorrect information and contact information. I have yet to receive a response

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that are currently reporting on my TransUnion credit file. I did not apply for credit with the companies listed below, nor do I have any existing or active accounts with them. These inquiries were done without my knowledge, authorization, or permissible purpose, and therefore must be removed from my credit report immediately. 

The inquiries I am disputing are : XXXXXXXX XXXX XXXXXXXX XXXX dated XX/XX/year> LightStream Hard Inquiry dated XX/XX/year> I repeat : I did not authorize these inquiries, I do not have accounts with these companies, and I did not submit any applications for credit. These inquiries are damaging and inaccurate. 

Legal Basis for Deletion Under the Fair Credit Reporting Act ( FCRA ) : FCRA 604 ( a ) ( 2 ) & 604 ( f ) require that a credit inquiry may only be made with the consumers written permission or a valid permissible purpose.

FCRA 609 ( a ) ( 1 ) provides my right to request all information in my file, including the source of each inquiry.

FCRA 611 ( a ) requires TransUnion to investigate and delete inaccurate or unauthorized information within 30 days. 

Since these companies can not provide any proof of my authorizationas no application or consent was ever madethese inquiries must be removed. 

Notice of Data Breach Exposure Additionally, I want to state that my personal information was included in the recent TransUnion data breach, exposing me to identity theft and unauthorized activity. Because my personal information was compromised, it is even more critical that TransUnion immediately remove fraudulent or unauthorized inquiries from my file. 

XXXX Requested I am requesting : Immediate removal of the unauthorized hard inquiries listed above. 

A written confirmation once these items have been deleted. 

A copy of my updated credit report after the investigation is completed. 

Please conduct your investigation in accordance with the FCRA and remove these inquiries, which have negatively impacted my credit score and opportunities. I have been trying for months to correct this, and I am requesting your help in resolving this matter once and for all.

Thank you for your prompt attention. I expect written confirmation within the 30-day period required by 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 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Jefferson Capital System # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Account was closed, from Capital One, on XX/XX/year> through a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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