vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for full debt validation regarding the collection account currently being reported on my credit file under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA ). Until proper validation is provided, you are required to cease all collection activity and reporting. To validate this alleged debt, you must provide the following documentation in full : The name and address of the original creditor. The original account number associated with the alleged debt. A complete copy of the original signed contract, agreement, or application bearing my signature that created the alleged obligation. A full accounting of the debt, including an itemized breakdown of the balance claimed, showing principal, interest, fees, and any other charges. Documentation showing how and when the balance was calculated. The date of the alleged default. The date of first delinquency as reported to the consumer reporting agencies. Documentation proving your legal right to collect this debt, including a complete chain of assignment or sale from the original creditor to your agency. A copy of any bill of sale or assignment agreement evidencing your ownership or authority to collect the debt. Proof that the debt was not discharged, settled, canceled, or otherwise extinguished. Proof that the debt is within the applicable statute of limitations for collection. Proof that you are licensed and authorized to collect debts in my state of residence at the time this account was placed for collection. Copies of any notices sent to me regarding this debt, including the initial dunning notice. Verification that the amount being reported matches the amount authorized under the original agreement. An explanation of how this account is being reported as open, charged off, or placed for collection simultaneously, including clarification of any inconsistencies. Until you provide the above documentation in full, this debt remains unvalidated and disputed. Any continued reporting of this account to consumer reporting agencies without proper validation will be documented as a violation of the FDCPA and FCRA. If you are unable to validate this debt as requested, you must immediately cease reporting and delete this account from my credit file. This letter is not a refusal to pay, but a formal request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-27 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: NC

Complaint narrative:
State of North XXXX XXXX of XXXX Equifax XXXX XXXX Data Breach XXXX Experian XXXX Breach XXXX cv XXXX TransUnion Data Breach XXXX cv XXXX I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to your agency that the accounts listed does not belong to me. These accounts stem from theft, a crime of which I am a victim. Your agency received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 

A. XXXX XXXX $ XXXX : XX/XX/XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX Unauthorized Inquiries : TBOM/Milstone : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect your agency to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility.

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 2025-12-27 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: TX

Complaint narrative:
A VA disability payment was deposited into my account, which is currently restricted due to a fraud review. The bank is refusing to release the funds and is attempting to apply them to a large negative balance on the account. 
The deposited funds are VA disability benefits, which are federally protected and exempt from offset, garnishment, or seizure by a financial institution. The bank has stated that because the funds already hit the account, they can not release them, which is incorrect under federal benefit protection rules. I contacted the bank immediately after the deposit posted and informed them the funds were VA disability benefits. I requested release of the protected funds or return of the deposit to the VA for reissuance. The bank refused and did not escalate the matter to compliance or provide a lawful justification.

I am requesting that the bank immediately release the protected VA disability funds to me or return the payment to the Department of Veterans Affairs so it can be reissued to my updated direct deposit account. I also request confirmation in writing that no portion of my VA benefits has been applied to any negative balance. The account was restricted due to fraud, not closure initiated by me. I updated my VA direct deposit information prior to learning the payment would still route to this account. The bank is unlawfully withholding federally protected benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am disputing the accuracy and completeness of a collection account being reported by Sunrise Credit Services , Inc. related to XXXX XXXX. The account shows an original amount owed of {$370.00}, but Sunrise is reporting a current balance of {$510.00} without any explanation or itemization for the increase. 

Additionally, the account does not clearly show a date of first delinquency, which makes it difficult to understand the timeline of the debt and how long it should be reported. This information appears inconsistent and incomplete across credit reporting agencies. 

I have already attempted to resolve this issue by disputing the account through credit bureaus, but the information continues to be reported without clarification. I am requesting that Sunrise Credit Services review this account and either provide clear verification of the balance and delinquency timeline or remove the account from my credit report if it can not be verified as accurate and complete.

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 2025-12-27 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: MI

Complaint narrative:
I DID NOT GIVE THESE COMPANIES CONSENT TO HAVE MY INFORMATION. 

These companies are in violation of these UNITED STATES CODE of LAW- 15 USC 1666 ( b ) 15 USC 1681 ( n ) 15 USC 1692 ( g ) This is fraud and this illegal. DELETE/REMOVE ACCOUNTS. DELETE/REMOVE LATE PAYMENTS.

DELETE/REMOVE HARD INQUIRIES.

I have been violated by these companies. 

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 non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
To Whom It May Concern, This letter concerns the collection account you are currently reporting under account number XXXXXXXX XXXX, with an alleged balance of {$550.00}, which appears on my TransUnion credit report as Collection/Chargeoff Derogatory. Despite your continued furnishing of this account to consumer reporting agencies, you have failed to provide competent and lawful validation of this alleged debt as required under 15 U.S.C. 1692g ( b ). To date, no documentation has been produced demonstrating that I owe this debt, that the amount reported is accurate, or that your company has the legal authority or standing to collect it. Nonetheless, you continue to report this account as an open collection, thereby causing ongoing damage to my credit reputation. This conduct constitutes continued collection activity without validation and is a direct violation of federal law. Your actions violate, but are not limited to, the following provisions : FDCPA 1692g ( b ) Continuing collection activity, including credit reporting, without providing proper validation after a dispute. FDCPA 1692e ( 2 ) ( A ) False and misleading representation of the character, amount, and legal status of the alleged debt. FDCPA 1692f ( 1 ) Attempting to collect or report amounts not expressly authorized by any agreement or permitted by law. FCRA 1681s2 ( b ) Failure to conduct a reasonable investigation and continued furnishing of unverified and inaccurate information to consumer reporting agencies. These violations are willful and negligent in nature and have caused measurable financial harm, emotional distress, and reputational injury. I currently estimate damages at {$2500.00} in actual harm, in addition to statutory damages of up to {$1000.00} per violation as permitted under federal law. Because you have failed to validate this alleged debt and continue to report it inaccurately, I am demanding the immediate deletion of this account from all consumer reporting agencies to which you have furnished information. If this account is not deleted promptly, I am prepared to escalate this matter through regulatory complaints and further legal action without additional notice. This letter is not a refusal to pay, but a formal notice of dispute and demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NY

Complaint narrative:
I entered into an installment loan agreement with Koalafi with the understanding that the total amount owed and repayment terms were clearly disclosed at the time of purchase. After making payments, I noticed that my remaining balance and payoff amount were higher than expected and did not align with what I was originally told. 

Koalafi charged fees and/or interest that were not clearly disclosed upfront. The amounts applied to my account were confusing, and I was unable to get a clear, consistent explanation from customer service regarding how my payments were being applied or why the balance remained higher than expected. 

I attempted to resolve this directly with Koalafi, but I did not receive a satisfactory explanation or correction. I believe the fees and interest charged were misleading, unexpected, and not properly disclosed at the time I agreed to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

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 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I enrolled in my employer 's XXXXXXXX XXXX  administered by Optum Bank. My employer began payroll deductions immediately. 

The first deposit of {$1100.00} was placed into a dormant XXXX account from a previous employer an account I had not accessed in approximately 10 years. I did not authorize this, was not notified, and only discovered it after investigating why I had no account access. 

Over the following XXXX weeks, an additional $ XXXX in payroll deductions were collected by Optum XXXX To date, I have : XXXX. Received no welcome letter, account number, or debit card XXXX. Been unable to register for an account online or via the mobile app XXXX. Found no record of an account when calling Optum 's automated system XXXX. Been given conflicting information by customer service agents XXXX. Been lied to and hung up on by an agent ( XX/XX/year> ). 

My employer 's HR contacted Optum and was told I need to " call and transfer funds '' between accounts yet when I call, no account exists and no agent can help me access or verify these funds. 

Optum has collected over {$3500.00} from my employer on my behalf and has refused to provide access to these funds or proof that an account exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This collection account continues to appear on my credit report and has been repeatedly sold or transferred to different collection agencies, even though it is the same debt. Each time it is reassigned or re-reported, it negatively impacts my credit score. I do not understand why this account keeps showing up under different collectors, and I am concerned the information may be inaccurate, duplicated, or improperly reported. 
I am requesting verification of the debt, an explanation for why it continues to be sold or reassigned, and correction or removal of any inaccurate or unfair reporting. This ongoing reporting is causing harm to my credit and financial stability

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian has reported inaccurate and misleading information on my credit report that has caused significant financial and reputational harm. 

Specifically, Experian is reporting a XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) and several accounts as derogatory or in collections that were included in and discharged by that bankruptcy. This includes tradelines from XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and others. 

Despite multiple disputes, Experian continues to report these accounts inaccurately and has not provided proper verification or deleted the information. Furthermore, they falsely attribute the bankruptcy reporting to the U.S. Bankruptcy Court, which does not furnish data to credit bureaus, as confirmed by court documentation. This is a violation of the Fair Credit Reporting Act ( FCRA ), especially 1681e ( b ) and 1681i.

Experians reporting practices have resulted in credit denials, higher interest rates, emotional distress, and reputational damage. I have formally sent a Notice of Intent to Arbitrate and De

mand for Remedy, but they have not fully addressed the issue. I request the CFPB 's assistance in compelling Experian to comply with federal law, delete all unverifiable and inaccurate information, and provide a full explanation of how the bankruptcy was sourced.

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