vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that Equifax, XXXX  and XXXX  XXXX XXXX  has failed to Preform a reasonable investigation into the XXXX XXXX XXXX accounts on their respective credit reports in accordance with 15 U.S.C.1681s-2 ( b ), and 15U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Before me, the undersigned authority, appeared who being first duly sworn, says that Equifax, XXXX  and XXXX XXXX XXXX has failed to provide Proof of Ownership : Bill of Sale or Assignment Contract. False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 

RE : Account Validation Request RE : Inaccurate Reporting/Deceptive Reporting Practices RE : Notification of Legal Proceedings Identifiers : XXXX XXXX XXXX : XXXX Number XXXX XXXX  Partial Account Number : XXXX. 
Equifax Partial Account Number : XXXX XXXXXXXX Based on : XXXX  Report Number : XXXX dated XX/XX/year> Equifax Report Number : XXXX dated XX/XX/year> Account Verification Letter dated XX/XX/year> CFPB Case Number : XXXX Written Notification / CFPB Complaints : CFPB Complain Number : XXXX CFPB Complain Number : XXXXEquifax CFPB Complain Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date : XX/XX/XXXX Credit Reporting Department [ Experian XXXX XXXX  XXXX TransUnion ] Subject : Dispute of Unauthorized Hard Inquiry XXXX I am writing to dispute an unauthorized hard inquiry that appears on my credit report from XXXX ( XXXX Bank XXXX XXXX dated XX/XX/XXXX. I did not authorize or apply for any credit account with this company. Therefore, I am requesting that this inquiry be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 



Inquiry Details : Creditor Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX Last XXXX of XXXX : XXXX Please investigate this matter and delete the unauthorized inquiry from my credit file. I have enclosed copies of my government-issued ID and proof of address to verify my identity. 



Thank you for your prompt attention to this matter. Please provide written confirmation once this inquiry has been removed. 



Sincerely, 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 2025-11-02 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: VA

Complaint narrative:
This letter serves as a * * formal dispute * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, regarding the * * inaccurate and misleading reporting of student loan accounts * * listed as late or delinquent on my consumer report. 

It is * * impossible * * for these loans to have been late at any time because * * all of my student loans have consistently been in an approved status of either deferment, forbearance, or an income-driven repayment plan ( IDR ) * * with a * * required monthly payment of {$0.00} * *. Under federal loan servicing guidelines, * * a {$0.00} payment due under an IDR plan can not legally be considered delinquent * *, nor can loans in deferment or forbearance be reported as late. 

Therefore, your reporting of late payments is * * factually incorrect, damaging, and constitutes a willful violation of FCRA 1681s-2 ( a ) * * ( furnishing inaccurate information ) and * * 1681s-2 ( b ) * * ( failure to conduct a reasonable investigation ). You are required by law to ensure the * * maximum possible accuracy * * of the information you report and to * * correct or delete any item that can not be verified * *. 

I am demanding the * * immediate deletion * * of all inaccurate late-payment notations and the full correction of my student loan reporting. I have attached supporting documentation proving the deferment, forbearance, and income-driven repayment statuses for these loans. 

If this matter is not corrected and confirmed in writing within * * 30 days * *, I will escalate this dispute to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * state Attorney General * *, and I will pursue all available remedies for * * defamation, negligent reporting, and willful FCRA violations * *. 

I expect an * * updated consumer report reflecting deletion of the inaccurate data * * and a * * written confirmation * * of the corrective action taken. Do not respond with stall tactics or unverifiable third-party data such as XXXX or E-Oscar results such actions do not constitute a lawful investigation under federal law. 

This is your notice to act accordingly and in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing a debt reported by Jefferson Capital Systems that dates back to XXXX. The debt is inaccurately reported as originating in XXXX. I emailed Jefferson on XX/XX/XXXX, requesting proof of the debt, but I received no response. On XX/XX/XXXX, I sent a certified letter to Jefferson requesting documentation proving the debts validity. The letter was received by Jefferson on XX/XX/XXXX, but they have yet to provide any proof. I am requesting that they either validate the debt with proper documentation or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: DC

Complaint narrative:
I was called multiple times from an unknown number who wouldnt announce who they work for. I asked for documentation they were being extremely told me that they wont give me any & that I need to just pay. I wasnt even notified that I have debt. They said that they werent going to argue with me even though there was no argument just asked for more documentation. Hung up in my face & harass me with phone calls. Also the debt is on my credit report & it keeps going up out of nowhere & changing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft and a recent data breach. My Experian credit report contains multiple unauthorized inquiries and accounts that I did not initiate, authorize, or consent to. 

Despite submitting disputes directly to Experian and to some of the furnishers, these items have not been removed. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting that all fraudulent and unauthorized accounts and inquiries be permanently blocked and deleted from my Experian consumer file.

Below is the list of unauthorized Experian inquiries/accounts that must be deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries and accounts were never authorized by me, and I had no credit applications or business with these companies. I am requesting that the CFPB investigate Experians failure to block and delete these fraudulent items as required by federal law and ensure they are permanently removed from my consumer report.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
b' AFFIDAVIT OF DISPUTE\nThis formal AFFIDAVIT OF DISPUTE is submitted under the Fair Credit Reporting Act\n(FCRA) and Fair Debt Collection Practices Act (FDCPA). XXXX  is reporting\noutrageous, inaccurate, and unverifiable information that damages my credit reputation.\nYou are legally obligated under 15 U.S.C.  1681e(b), 1681i(a)(1)(A), 1681i(a)(5)(A), and \n611 to maintain maximum possible accuracy and to delete any data that cannot be fully\nverified after a reasonable reinvestigation.\n PERSONAL INFORMATION DISPUTE\nOnly the following personal information is accurate and authorized to remain on my file:XXXX XXXX XXXXDOB XXXX XXXX  SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRemove all outdated or inaccurate identifiers immediately, including: XXXX XXXX XXXX XXXX and all prior addresses such as 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  and any unlisted\nphone numbers. Failure to correct personal identifiers violates FCRA  611 and XXXX XXXXReporting Standards (Identity Segment).\n DISPUTED ACCOUNTS\n1 XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXXAccount #: XXXX  Balance: $XXXXStatus: Collection account  appearing on XXXX XXXX, and XXXXXXXXThis account is reported inconsistently across the three bureaus and is unverified. Under\nFCRA  1681e(b), XXXX  must ensure maximum accuracy; under  1681i(a)(1)(A) you\nmust perform a reasonable reinvestigation supported by competent evidence, not\nautomated data matching. If the furnisher cannot produce a wet-ink signed contract,\nitemized statement, and assignment agreement, you must delete this entry immediately\npursuant to  1681i(a)(5)(A). Furthermore, FDCPA  1692g requires the collector to validate\nthe debt before any reporting or collection actionno such validation has been provided.\nmust\nbe deleted from my file. I further demand proof of the original loan agreement, full\npayment ledger, and assignment rights, signed under penalty of perjury. Absent such\nproof, continued reporting will constitute willful non-compliance and entitle me to damages\nunder 15 U.S.C.  1681n and 1681o.\n LEGAL NOTICE AND DEMAND\nThese inaccuracies are outrageous and cause material harm. Failure to remove or validate\nwithin the lawful time frame will result in CFPB and FTC complaints, XXXX  filings, and a\nformal lawsuit for willful and negligent non-compliance with the FCRA and FDCPA. You are\non notice to preserve all internal investigation records for potential litigation.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: HI

Complaint narrative:
New post-judgment misconduct ( not a duplicate ). 
This complaint concerns XXXX recent attempts by The Bank of New York Mellon ( trustee ) or its process-server agents to evict me using an expired court writ from XX/XX/XXXX, XXXX Sheriff involvementand with altered copies of the packet that removed the law firms identifying pages and add a handwritten in Red Marker 5 Days to Vacate. 

XXXX of the XXXX attempts : XX/XX/XXXX : private process server delivered a XXXX packet attaching the XX/XX/XXXX XXXX of XXXX ( XXXX. XXXX ). No XXXX involvement. 
XX/XX/XXXX : same XXXX writ delivered again by a private process server. No XXXX involvement. 
XX/XX/XXXX : same writ delivered a third time ; the first XXXX pages that normally identify XXXX XXXX XXXX XXXX ( XXXX XXXX ) were removed, and 5 Days to Vacate was handwritten in Red Marker the top page. The server stated he was just delivering what he was told. 

A private process server can not lawfully execute a writ of possession ; only the Sheriff can, and a XXXX writ is expired unless re-issued. These repeated re-deliveries appear designed to mislead me into voluntarily leaving without a valid court order or Sheriff scheduling. 

Context : XXXX XXXX previously told the CFPB ( XX/XX/XXXX ) that it does not service nor have the authority to service the loan 3 times and identified Bank XXXX XXXX as XXXX XXXX. Title remains In-Process / Pending Certification at the Hawaii XXXX XXXX and XXXX have a recorded Amended Notice of Adverse Claim. Separately ( for the servicer ), I submitted a Regulation X RFI to Bank XXXX XXXX ( delivered XX/XX/XXXX ) ; the XXXX acknowledgment was not provided and the XXXX response window runs into early XX/XX/XXXX. 

This complaint is new because it addresses post-judgment eviction/collection tactics by the trustee ( BNYM ), not the earlier servicing/authority issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX # XXXXXXXX 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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. I am filing this complaint because Credence Resource Management is reporting a collection account on my credit report that I never agreed to or gave permission for. I want to make it clear that I am not asking for proof of any balance or amount owed. I am asking for proof that I gave authorization for my personal information to be shared, accessed, or handled by this company. 

I have never received any communication from Credence Resource Management before they appeared on my credit report. I never signed anything that allows them to use or transmit my personal data. This means they are reporting information that may have been passed around without my consent.

Under 15 U.S.C. 1681e ( b ), all information reported to the credit bureaus must be fully accurate and verified. Under 15 U.S.C. 1681i, if something is disputed and can not be proven, it must be corrected or deleted. Credence has not done either.

They also have to follow Metro 2 reporting guidelines and E-Oscar compliance rules, which exist to make sure all data submitted to the credit bureaus is legitimate, verified, and authorized by the consumer. If they can not show real proof that I personally gave permission for my information to be released or reported, then they are violating those standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I found the application to the PayPal credit card and it says no inquiry if declined so I thought it worked like the other banks where your provided offers and you can decided to accept the card or not but they just sent me a card and added an inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
My identity was stolen in XXXX along with my drivers license Social Security card and birth certificate. I really certainly received my consumers report XX/XX/XXXX and this company had popped up On there, I have no knowledge or want anything to do with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed by XXXX XXXX, acting on behalf of Capital One Auto Finance, at the XXXX XXXX in XXXX, Florida. The repossession took place on private property with posted No Trespassing signs. I was a registered hotel guest with a parking permit, and the hotel property already has its own contracted tow company, not XXXX XXXX. 

XXXX XXXX entered the property without authorization or court order, constituting a breach of peace under Florida Statute 679.609 and a violation of 15 U.S.C. 1692f ( 6 ) of the Fair Debt Collection Practices Act, which prohibits repossessing property without a present right to possession. 

I filed a report with the XXXX Police Department, event number XXXX. The lender and repossession companys conduct violated both state and federal consumer protection laws, and I am requesting the FTC investigate for illegal repossession, deceptive business practices, and violation of debt collection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX, I received a notification email from my bank stating that someone logged into my account with an unknown device. I called the bank to let them know that I didnt authorize anyone to log into my account.The email stated that someone in XXXX XXXX  logged into my account. I then noticed that XXXX different charges was of {$500.00}, {$110.00} and {$980.00} was removed from my account with my permission. I immediately informed my bank of these fraudulent charges. I was informed by the phone rep that they would put a ticket in for investigation and refund the unauthorized charges. I never received a refund. I called back and spoke with another rep who told me to get a police report to get my funds back. Once I provided chime with the police report they still have failed to refund my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I did not provide written authorization for this company to obtain my consumer credit report. Please remove this unauthorized inquiry in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: AL

Complaint narrative:
I received a letter in the mail somewhere around the middle of XX/XX/year> stating that I had had a vehicle repossessed and I owed XXXX XXXX XXXX somewhere around XXXX and {$19000.00}. I had no knowledge of the account and I promptly contacted them locked. My credit reports after finding fraudulent accounts opened in my name. I promptly filed a police report in an FTC affidavit and contacted credit acceptance, and they asked me superduce those documents which I sent them promptly. They refused to remove it from my account. I've disputed it with Trans Union and XXXX  both twice and to my understanding that with a police report, an FTC affidavit for the fair credit reporting act is supposed to be blocked and removed I believe they're saying that they validated it and that it was me and I guess they're just making a mockery of the fair credit reporting act I believe, but my next step is XXXX and I mean, I'm trying to avoid that headache, but I am out of options here if I don't know.

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 2025-11-02 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: AL

Complaint narrative:
I received a letter in the mail somewhere around the middle of XX/XX/year> stating that I had had a vehicle repossessed and I owed XXXX XXXX XXXX somewhere around XXXX and {$19000.00}. I had no knowledge of the account and I promptly contacted them locked. My credit reports after finding fraudulent accounts opened in my name. I promptly filed a police report in an FTC affidavit and contacted credit acceptance, and they asked me superduce those documents which I sent them promptly. They refused to remove it from my account. I've disputed it with XXXX XXXX and XXXX both twice and to my understanding that with a police report, an FTC affidavit for the fair credit reporting act is supposed to be blocked and removed I believe they're saying that they validated it and that it was me and I guess they're just making a mockery of the fair credit reporting act I believe, but my next step is XXXX and I mean, I'm trying to avoid that headache, but I am out of options here if I don't know.

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