vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
filed a dispute ( XX/XX/XXXX ) with the company because the debt was paid in a settlement through " XXXX XXXX XXXX '' and the result of the dispute was that it would remain on my credit report until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
On XX/XX/year>, I received a collection notice from XXXX XXXX XXXX regarding a debt allegedly owed to Velocity Investments , LLC, originally from XXXXXXXX XXXX XXXX with XXXX XXXX XXXX, totaling {$7000.00}. I sent a detailed debt validation request letter on XX/XX/year>, citing the Fair Debt Collection Practices Act ( FDCPA ) and requested full documentation to validate the debt, including the original contract, detailed balance breakdown, proof of ownership, payment history, and proof that the debt had not been settled or XXXX. 

Despite the legal requirement to respond within 30 days, XXXX XXXX XXXX has failed to provide any validation or documentation supporting the alleged debt. They have continued collection efforts without verifying the debt as required by law. I have disputed the debt and requested all collection activity and credit reporting cease until proper validation is provided. However, collection actions have persisted beyond the validation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: OK

Complaint narrative:
This letter is a formal dispute of the following item on my credit report. I am requesting that you conduct a thorough investigation and provide legal and verifiable proof of this alleged debt. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
The disputed account is as follows : Creditor Name : Upgrade Inc Account Number : XXXX XXXX XXXX XXXX XXXX  Amount : {$3900.00} This item appears on my credit report as a negative mark, but I have no record of this debt and believe it may be inaccurate or fraudulent.

Under the FCRA, particularly 609 ( a ) ( 1 ) ( A ), I have the right to request all information related to this account. Additionally, 611 requires that you investigate my dispute. To validate this debt, please provide the following : 1. A copy of the original signed contract or agreement with my signature.

2. A complete payment history for the account.

3. Proof that you have the legal right to collect on this debt.

4. Documentation that proves this debt belongs to me. 
If you are unable to provide this documentation within 30 days of receipt of this letter, you are legally obligated to remove this unverified negative item from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed an XXXX XXXX auto lease account with all three credit bureaus. Each bureau verified the account as accurate despite clear contradictions in the reporting. 

- The account shows " XXXX late payments for the life of the lease. '' - Despite no delinquency history, the account is reported as a " charge-off '' with profit and loss write-off. 
- Reported balances are inconsistent and contradictory : {$6200.00} past due vs. {$7400.00} written off. 
- Reporting history shows every month as XXXX ( current ) until XX/XX/year>, when it suddenly flips to L ( charge-off ), without the required XXXX days of delinquency. 

By verifying the XXXX XXXX as accurate without resolving these contradictions, Experian, Equifax, and TransUnion failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Why this is inaccurate 1. An account can not simultaneously show no delinquencies and be reported as a charge-off. 
XXXX. Balances are contradictory and not properly documented. 
XXXX. Each bureau relied solely on XXXX input instead of conducting a meaningful reinvestigation.

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 2025-09-12 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: FL

Complaint narrative:
I disputed an XXXX XXXX auto lease account with all three credit bureaus. Each bureau verified the account as accurate despite clear contradictions in the reporting. 

- The account shows " XXXX late payments for the life of the lease. '' - Despite no delinquency history, the account is reported as a " charge-off '' with profit and loss write-off. 
- Reported balances are inconsistent and contradictory : {$6200.00} past due vs. {$7400.00} written off. 
- Reporting history shows every month as XXXX ( current ) until XX/XX/year>, when it suddenly flips to L ( charge-off ), without the required XXXX days of delinquency. 

By verifying the XXXX XXXX as accurate without resolving these contradictions, Experian, Equifax, and TransUnion failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Why this is inaccurate 1. An account can not simultaneously show no delinquencies and be reported as a charge-off. 
XXXX. Balances are contradictory and not properly documented. 
XXXX. Each bureau relied solely on XXXX input instead of conducting a meaningful reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and failed to address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports ) 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

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX, I asked Experian to fix wrong/outdated personal info. It's XXXX and these are still on my file. I haven't received a clear method of verification or any documents showing how they verified what they kept. This makes my report look inaccurate and could link negative items to me.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested proof of negative remarks on my. Credit report and copy of sign contract payment history also copy letter given permission to publish any information regarding loan and used of improper name and adress and phone number

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: WV

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I financed a car from XXXX in XXXX  were they sent me through a finance company called SantanderXXXXUSA. The paperwork I signed at XXXX said my total payoff was XXXX and I put XXXX down leaving it at XXXX. Ive made over XXXX dollars in payments over the last XXXX yrs which prompted me to ask about the payoff cost. When I called Santander customer service they said my payoff at the moment was over XXXX. That confused me being I knew I had paid over XXXX. The representative stated I had an interest rate of XXXX and I said that was impossible, and asked to have my contract mailed to me. They never sent the contract through mail after I requested it twice. They finally sent me a email copy. While going on the copy I noticed discrepancies in the signatures on the contract they sent through email. I did not submit those signatures and they are not my pen signed signatures. I signed everything in pen the day I financed the car at XXXX. After I informed them they stop responding to my emails. I know the signatures on the contract are not mine and do not match the paper work I signed at XXXX. I now have both papers. I have not heard anything back from them since informing them I knew that the signatures on the completely different contracts they sent compared to the paperwork I filled out at XXXX were indeed not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-12 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing inaccuracies on my credit report. These errors have harmed my credit and are causing ongoing financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Ive tried to communicate my financial circumstances to Cavalry Portfolio, the company that bought my XXXX account, but it feels like my words carry no weight. Instead of addressing what Im going through, or reviewing my hardship and considering my extenuating circumstances, their only focus is to repeat the same threat : Your account may be referred to our legal department, followed by, A lawsuit will be filed to recover the balance in full.

If thats the route they choose, so be it. I have no assets they can take. What they dont seem to grasp, or care, is that Im rebuilding my life after being diagnosed with XXXX XXXX XXXXXXXX in late XXXX. That's what caused me to fall behind on my debts. After months of aggressive XXXX and XXXX treatments throughout XXXX, Ive only recently reached a point where I can attempt to regain stability. 

Returning to my former profession isnt an option anymoremy health simply wont allow it. The best I can manage now is driving for XXXX and XXXX, which provides just enough to cover basic survival, with my family helping me make ends meet. 

What frustrates me most is how little compassion or consideration this company shows. Their approach is purely about extracting as much money as possible, using intimidation and legal threats, with XXXX regard for the reality of my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
This letter is a formal dispute of the following item on my credit report. I am requesting that you conduct a thorough investigation and provide legal and verifiable proof of this alleged debt. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
The disputed account is as follows : Creditor Name : XXXX Account Number : XXXX Amount : {$4300.00} This item appears on my credit report as a negative mark, but I have no record of this debt and believe it may be inaccurate or fraudulent.

Under the FCRA, particularly 609 ( a ) ( 1 ) ( A ), I have the right to request all information related to this account. Additionally, 611 requires that you investigate my dispute. To validate this debt, please provide the following : XXXX. A copy of the original signed contract or agreement with my signature. 
XXXX. A complete payment history for the account. 
XXXX. Proof that you have the legal right to collect on this debt. 
XXXX. Documentation that proves this debt belongs to me. 
If you are unable to provide this documentation within 30 days of receipt of this letter, you are legally obligated to remove this unverified negative item from my credit report immediately. 
Please be aware that reporting an item you can not verify is a violation of the FCRA.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized debit of {$470.00} from my credit card account XXXX XXXXXXXX on XX/XX/XXXX. This charge was for towing fees incurred by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My vehicle, a XXXX XXXX, was towed from XXXX XXXX XXXX XXXX in XXXX, TX, without my consent or a valid, signed agreement authorizing such an action. The receipt for this charge is attached for your reference. 

I have already attempted to resolve this matter through a previous dispute filed with your bank, but I have not received a satisfactory resolution. The towing of my vehicle was a private property impound initiated without any prior authorization from me, the registered owner. I have no contractual relationship with the towing company or the property owner that would permit such an action. 

As the financial institution processing this transaction, I believe Truist Bank has a responsibility to ensure that all debits from my account are legitimate and properly authorized. I request an immediate and full refund of the {$470.00} that was debited from my account for this unauthorized towing service. Furthermore, I request that you investigate why my initial dispute was not handled to a proper resolution. 

Please provide a detailed explanation of your findings and the steps you will take to rectify this issue. I expect a prompt resolution and a full refund of the amount in question.

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
The information being reported is incomplete, contradictory, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 
1. Future Reporting Dates My Experian report shows Balance updated : XX/XX/year> even though todays date is after that. Reporting a future date is impossible and indicates flawed or fabricated data.

2. Contradictory Account Status The account is listed as Charged off, {$320.00} written off, yet it also shows {$320.00} past due as of XX/XX/year>. A charge-off means the balance was written off. It can not also be reported as currently past due. This is misleading double-reporting. 
3. Missing / Undefined Information Under Additional Info : - Original creditor : - Company sold : undefined The absence of this information makes the account unverifiable and incomplete.

4. Improper Payment History Reporting The payment history shows CO ( Charge Off ) listed every month into 2025. Once charged off, an account should not continue to report as a new charge-off each month. This artificially extends derogatory reporting.

5. Balance vs. Status Inconsistency The account shows a {$320.00} balance while also stating {$320.00} was written off. If it was written off, the balance should be {$0.00} or clearly marked as sold/transferred, not left as an active balance.

Company response to consumer: Closed with explanation