vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations.

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Product : Bank account / debit card Issue : Fraud or scam unauthorized debit card transfers What happened : On XX/XX/year>, I contracted with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX / XXXX XXXX ) for an interstate move. Their representative ( XXXX XXXX XXXX issued a binding estimate for {$5400.00} ( Exhibit A ). The same day, two debits posted to my Citibank debit card for {$1900.00} and {$400.00} ( total {$2300.00} ) as a deposit ( Exhibit B ). Shortly after, the company tripled the price to {$10000.00} and demanded another {$3000.00}, then stopped responding. I canceled, no services were provided, and no pickup occurred ( Exhibits CD ). 

I later learned XXXX XXXX is only a broker, not the carrier, which was not clearly disclosed at contracting and appears in the fine print of their documents ( Exhibit C ). This is a bait-and-switch and fraudulent misrepresentation.

I promptly disputed the two debits with Citibank. Despite the lack of services rendered and the deceptive conduct, Citibank denied my claim and refused to reverse the transactions. 

What I want : Please require Citibank to reinvestigate and credit back {$2300.00} for the unauthorized debit card transfers. I am attaching my dispute letter ( with timeline and exhibits ) sent to Citibank, plus Citibanks denial.

Attachments : Dispute letter with timeline and Exhibits AD ( estimate, payment proof, revised estimate to {$10000.00}, communications ) Citibank denial letter ( Exhibit 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 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
DEAR HARRIS & HARRIS LTD : I am formally disputing the accuracy, validity, and completeness of the above-referenced account ( Account # XXXX ), which has been reported to the credit bureaus and attributed to me, ALLEGED Balance {$590.00}?. I have no verified relationship with your company or any other original company you listed, and 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 ( if applicable, the contract I allegedly signed ) * 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 which do not constitute lawful validation. Therefore, the account remains unverified. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am disputing the continued publication of false and misleading information by Equifax regarding my XXXXXXXX XXXX credit card account ending in XXXX. 

On XX/XX/XXXX, XXXXXXXX XXXX  provided an official CFPB response ( attached as Exhibit A ) confirming : Date of First Delinquency : XX/XX/XXXX Charge-off : XX/XX/XXXX Settlement accepted : XX/XX/XXXX Account closed : XX/XX/XXXX Final payment : XX/XX/XXXX Despite this, Equifax continues XXXX report the tradeline inaccurately : 1. Status line lists CHARGE_OFF, even though the account was settled and closed with a {$0.00} balance.

2. Contradictory comments appear together : Charged off account, Account paid for less than full balance, and Closed or paid account/zero balance. These are inconsistent and misleading.

3. Date of Last Activity is blank, yet Equifax shows a fresh reporting date of XX/XX/XXXX, which creates the false appearance of a recent derogatory event and unlawfully re-ages the account. 



Why This Violates the Law FCRA XXXX ( c ) : The XXXX reporting period must run from the original DOFD ( XX/XX/XXXX ). Updating the account in XX/XX/XXXX unlawfully extends the derogatory impact. 
FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy. Contradictory statuses are not accurate.

FCRA 1681i : Equifax must reasonably reinvestigate disputes. Publishing data inconsistent with the furnishers own CFPB-confirmed admissions is unreasonable.

Metro 2 guidelines : A settled account must be reported uniformly as Settled for less than full balance, {$0.00} owed, closed. 



Harm Suffered My credit report reflects a false and more severe derogatory than what actually occurred. 
The contradictory reporting misleads lenders and scoring models. 
This has led to denials of credit, higher interest rates, and ongoing emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Dear [ XXXX ], I am writing to formally dispute a repossession account that appears on my credit report under the name [ XXXX XXXX ] with the account number [ XXXX ]. This entry is inaccurate, incomplete, and in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code.

According to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ), I have the right to request that all information furnished to consumer reporting agencies be accurate and verified. Once a dispute is submitted, the data furnisher is legally obligated to investigate and validate the information or have it removed. I have never received any written validation or itemized accounting post-repossession, as required under consumer protection laws.

Furthermore : Under 15 U.S.C. 1692g ( b ) of the FDCPA, I requested validation of this debt and never received a response. This failure constitutes a direct violation of my right to dispute and obtain verification of alleged debts. 
Under 15 U.S.C. 1666b, consumers are to be notified about the handling of payments and the process for addressing billing errors. I was not given any clear notice or post-repossession breakdown of any alleged balance, fees, auction details, or deficiency.

Per FCRA Section 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information. If a repossession occurred and was reported, the reporting entity must ensure all details, including date of delinquency, balance, and status, are accurate and completewhich in this case, they are not.

Additionally, per Metro 2 compliance, all tradelines must be updated with factual and timely data. This account reflects false or unverifiable information and has not been validated per federal law. 

Since I was never given proper documentation, auction details, itemized deficiency balance, or the right to cure ( as mandated in some jurisdictions ), I demand that this entry be immediately deleted from my credit report.

This letter serves as formal notice under FCRA 15 U.S.C. 1681i ( a ) to reinvestigate and remove the inaccurate entry. If this information can not be properly verified within 30 days, it must be immediately removed from my credit file.

Please send me written confirmation of the results of your investigation and provide documentation used to verify this entry. If no documentation can be provided, this entry must be deleted under federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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 received an alert from XXXX which monitors equifax activity. Other two bureaus are reporting accurately.

The alert stated I had an account with a balance of {$6700.00}. The account is a line of credit attached to my checking account with a limit of {$500.00}. I have never used this line of credit in my life let alone for over {$6700.00} ; not even possible that much would be extended to me considering my credit limit with that account. XXXX bank explained they had nothing to do with it as they report exactly what the account is doing. Equifax is completely useless and pointless to talk to. I am attaching the alert I received from XXXX. Im including the account info on the account in question. Im also including the balance which is exactly 0 considering Ive never used it once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Subject : Dispute Regarding Inaccurate Credit Reporting for Revvi Card Account [ Account Number ] Dear XXXX Banks XXXX XXXX XXXX, I am writing to formally dispute an error on my credit report related to my Revvi card account [ insert account number or last 4 digits if known ]. According to the credit report from XXXX, dated XX/XX/year>, my account is being reported as 30 Days Late. This reporting is inaccurate, and I request that you investigate and correct this information immediately. 
The details of the account are as follows : Date Account Opened : XX/XX/year> Date Account Closed : XX/XX/year> Credit Limit : {$200.00} Highest Balance : {$380.00} Payment Status : Paid in full Account Duration : 15 days The account was opened on XX/XX/year>, and closed on XX/XX/year>, a total of 15 days. During this period, the account was paid in full, and no late payments were made. Despite this, the credit report indicates a 30 Days Late status, which is factually incorrect given the short duration of the account and its full payment. This error is negatively impacting my credit score and needs to be rectified.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accurate reporting of consumer credit information. I request that you : 1. Investigate this matter thoroughly.

2. Remove or correct the 30 Days Late notation from my credit report.

3. Provide me with written confirmation of the resolution.

I have attached a screenshot from XXXX as evidence of the inaccurate reporting, along with any relevant documentation ( e.g., payment confirmation or account closure statement ) for your review. Please contact me at [ your phone number ] or [ your email address ] if you require additional information or documentation to complete this investigation. 
I expect a response within 30 days, as required by law. If I do not receive a satisfactory resolution, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the credit bureaus ( Equifax, Experian, and TransUnion ). 
Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX XXXX XXXX XXXX LAST 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 2025-09-04 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: CL Holdings LLC
State: VA

Complaint narrative:
Ive reached out to this company requesting information on debt numerous times. I am constantly being emailed settlement options, but I have not received any documentation on what the debt is for. Listed below is information that has been sent out to the company. Im in the process of purchasing a home and this has drastically dragged on the process.

Subject : Request for Removal of Expired Negative Item ( s ) under FCRA ( 15 U.S.C. 1681 ) I am writing to dispute the accuracy of the following item ( s ) on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Reason for Dispute : This item exceeds the maximum reporting period allowed under the FCRA. 

According to 15 U.S.C. 1681c, negative information such as late payments, charge-offs, or collections may not be reported on a credit report beyond 7 years from the date of the original delinquency ( or 10 years for XXXX  XXXX bankruptcy ). The above-listed item ( s ) are past the legal reporting period and must be removed. 

Please investigate this matter and delete the item ( s ) from my credit report promptly. I request that you provide me with written confirmation once this item ( s ) has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
XXXX is inaccurately reporting late payment notations for my TOYOTA MTR account ending in XXXX for XX/XX/XXXX and XX/XX/XXXX. These late payment entries are incorrect, incomplete, and unverifiable. 

XXXX XXXX, XXXX, I mailed a formal dispute letter to XXXX  regarding this inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), XXXX  is required to conduct a reasonable reinvestigation of any information I dispute as inaccurate. Additionally, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper notice and billing were not provided within the required timeframe. 

Despite my dispute, the inaccurate late payment notations remain on my credit file. These derogatory marks are harmful to my credit standing and constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX EMPLOYER - XXXX EMPLOYER - XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue

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