vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate XXXX payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA XXXX. You are also in violation of FCRA XXXX ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have XXXX days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 2025-05-28 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
At approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I spoke with a supervisor, badge XXXX XXXX, who repeatedly dodged questions that I asked for. I specifically asked for the original card member agreement and original application for BOTH my Capital One account ending in XXXX AND my Capital One card from Household Bank ending in XXXX. I specifically asked for the original agreements to see if any future changes to the card member agreement were allowed, and if so, what process needs to occur. Additionally, I wanted to see regarding XXXX if the original agreement allowed for the account to automatically continue in the event of an acquisition, and if so whether the current terms were to continue. The above supervisor twice threatened to end a call and repeatedly requested the current card member agreement which was NOT what I asked for. A current card member agreement is current. It is not what was originally agreed to upon the application of a credit card. The above agent has been reported. I am now requesting the CFPB request this information from Capital One Bank, N.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Reference : Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The wire was sent to : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX I am writing to lodge a formal complaint regarding a recent financial transaction that did not conclude as expected. On XX/XX/year>, I authorized a wire transfer of {$1000.00} from my account at Bank of America to an account at the XXXX XXXX XXXX XXXX. This transaction was facilitated through XXXX XXXX  acting as the intermediary institution. 
Unfortunately, the wire transfer was unsuccessful, and a partial amount of XXXX dollars was subsequently refunded to my Bank of America account. However, I have noticed that XXXX dollars is unaccounted and missing from the total amount that should have been refunded. Despite numerous attempts to resolve this matter directly with Bank of America and XXXX XXXX  I have yet to receive the missing funds. 
I kindly request that your agency conduct a thorough investigation into this issue and facilitate the reimbursement of the outstanding XXXX dollars to my account. Enclosed herein are pertinent transaction details and supporting relevant documentation for your review and reference. Should any further information or clarification be required, I am available at ( XXXX ) XXXX or XXXX please feel free to contact me. 
I would appreciate your prompt attention to this matter and look forward to a swift and satisfactory resolution. Thank you for your understanding and cooperation. 
Yours Sincerely, 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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK
State: TX

Complaint narrative:
I opened a checking account at Eastwest bank XXXX XXXX XXXX But soon after I received a wire, the account was denied access saying : Your access has been XXXX for your security, please contact us at XXXX XXXX XXXX 

I called the number and then representative said I can only email this address to provide information about the wire and get the access again. I emailed to XXXX on XX/XX/year> but never got response back. My account has around XXXX and I feel like they kept my funds for hostage and really don't know how to get the account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
This has to do with a false insurance claim. Not a car loan. I just didnt know what a category to submit it under.This has to do with an auto claim for a tow job done by USAA XXXX This is not about a vehicle loan. I just didnt know where else to submit thisBack in XXXX I need a tow for my XXXX XXXX XXXX. My battery died at my friends house so I had to get a tow to the dealership which was only a few miles down the road to get a new battery installed it took five minutes. Everything was cool and I drove home. And I just found out recently That USAA and all that stupidity created a claim simply for me getting a tow. From what I understand and from what I read, USAA can only create a claim for a tow if it has to do with a collision or an accident only. Some XXXX created a claim for a simple, dead battery tow to the dealership. It should not be there.

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 2025-05-28 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: IN

Complaint narrative:
COMPANIES INVOLVED : 1. XXXX XXXX XXXXXXXX Furnisher of an unverified debt 2. XXXX Reporting a repossession without proper documentation 3. [ Credit Bureau Name : Experian / Equifax / TransUnion ] Continuing to report unverifiable information SUMMARY OF COMPLAINT : I am filing this complaint against XXXXXXXX XXXX XXXXXXXX, XXXX, and the credit reporting agency listed above for repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I discovered two accounts reporting on my credit file without my consent or validation : 1. XXXX XXXX XXXX XXXX I never contracted with XXXX XXXX XXXX 
I demanded validation under 15 U.S.C. 1692g, including original signed contract and chain of assignment.

No validation was provided. 
The debt appears to be sold, and XXXX has no legal standing to report it. 
This is a violation of : 15 U.S.C. 1681b ( No permissible purpose ), 1681e ( b ) ( Accuracy ), 1692g ( Validation ), and 1681s-2 ( b ) ( Failure to reinvestigate by data furnisher ). 



2. XXXX Account # : XXXX ( XXXX ) I requested full validation and proof of permissible purpose. 
XXXX has not provided legal documentation proving they can report the repossession. 
The repossession is being reported inaccurately and is damaging my consumer file. 
This violates : 15 U.S.C. 1681e ( b ) ( Accuracy ), 1681i ( Reinvestigation ), and 1681s-2 ( Data furnisher duties ).

WHAT I WANT CFPB TO DO : I am asking the CFPB to : 1. Order immediate deletion of both accounts from my credit reports. 
2. Investigate XXXXXXXX XXXX XXXXXXXX for unlawful debt reporting without validation. 
3. Investigate XXXX for continued inaccurate reporting of a repossession. 
4. Instruct the reporting agencies to cease reporting unverifiable, sold, or inaccurate debts.

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 2025-05-28 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: IN

Complaint narrative:
COMPANIES INVOLVED : 1. XXXX XXXX XXXXXXXX Furnisher of an unverified debt 2. XXXX Reporting a repossession without proper documentation 3. [ Credit Bureau Name : Experian / Equifax / TransUnion ] Continuing to report unverifiable information SUMMARY OF COMPLAINT : I am filing this complaint against XXXXXXXX XXXX XXXXXXXX, XXXX, and the credit reporting agency listed above for repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I discovered two accounts reporting on my credit file without my consent or validation : 1. XXXX XXXX XXXX XXXX I never contracted with XXXX XXXX XXXX 
I demanded validation under 15 U.S.C. 1692g, including original signed contract and chain of assignment.

No validation was provided. 
The debt appears to be sold, and XXXX has no legal standing to report it. 
This is a violation of : 15 U.S.C. 1681b ( No permissible purpose ), 1681e ( b ) ( Accuracy ), 1692g ( Validation ), and 1681s-2 ( b ) ( Failure to reinvestigate by data furnisher ). 



2. XXXX Account # : XXXX ( XXXX ) I requested full validation and proof of permissible purpose. 
XXXX has not provided legal documentation proving they can report the repossession. 
The repossession is being reported inaccurately and is damaging my consumer file. 
This violates : 15 U.S.C. 1681e ( b ) ( Accuracy ), 1681i ( Reinvestigation ), and 1681s-2 ( Data furnisher duties ).

WHAT I WANT CFPB TO DO : I am asking the CFPB to : 1. Order immediate deletion of both accounts from my credit reports. 
2. Investigate XXXXXXXX XXXX XXXXXXXX for unlawful debt reporting without validation. 
3. Investigate XXXX for continued inaccurate reporting of a repossession. 
4. Instruct the reporting agencies to cease reporting unverifiable, sold, or inaccurate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To portfolio recovery : final cease and desist you are not supposed to be contacting me anymore, I have paper trail since XX/XX/year>. 

RE : Account XXXX. XXXX Incorrect Name, Unverified Reporting, No Legal Standing To Whom It May Concern, This letter serves as final notice before legal action. You are in ongoing violation of multiple consumer protection laws including the Fair Credit Reporting Act ( FCRA ) XXXX5 U.S.C. 1681n, 1681s-2 ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), for continuing to report inaccurate, unverifiable, and misleading account information to the credit reporting agencies, and attempting collection on an account you have not legally verified. 
XXXX. You are reporting an account under the name XXXX XXXX. This is not my legal name. Continuing to attempt collection or report this item in a name that is not mine is a violation of the FDCPA and may also constitute identity misattribution under FCRA. 
XXXX. You have failed to provide a fully executed contract with my wet signature, chain of title, or a properly notarized bill of sale that links the account to me directly. Generic documentation or spreadsheets are insufficient under FCRA and FDCPA standards. 
XXXX. The verification provided does not include any individualized agreement that binds me to the alleged account, nor does it demonstrate your legal standing or lawful assignment to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a written request under FCRA 609 ( a ) ( 1 ) and 610 to [ Equifax/Experian/TransUnion ]

requesting a full consumer file disclosure, including a complete audit of all soft inquiries and historical inquiry activity from 2016 to present.

The bureau has failed to fulfill this request and instead provided a standard consumer credit report, omitting the soft inquiry trail, IP metadata, or archived access logs that I am entitled to receive under federal law. This constitutes a violation of : FCRA 609 failure to disclose full file ; FCRA 610 failure to investigate, explain, or provide complete data ; FCRA 1681e ( b ) failure to ensure completeness and accuracy of data.

I am seeking immediate intervention to compel full compliance with my lawful request, including all soft inquiries, permissible purpose logs, access dates, and archived credit file snapshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a written request under FCRA 609 ( a ) ( 1 ) and 610 to [ Equifax/Experian/TransUnion ]

requesting a full consumer file disclosure, including a complete audit of all soft inquiries and historical inquiry activity from 2016 to present.

The bureau has failed to fulfill this request and instead provided a standard consumer credit report, omitting the soft inquiry trail, IP metadata, or archived access logs that I am entitled to receive under federal law. This constitutes a violation of : FCRA 609 failure to disclose full file ; FCRA 610 failure to investigate, explain, or provide complete data ; FCRA 1681e ( b ) failure to ensure completeness and accuracy of data.

I am seeking immediate intervention to compel full compliance with my lawful request, including all soft inquiries, permissible purpose logs, access dates, and archived credit file snapshots.

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 2025-05-28 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies. As well as unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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:
Ive recently received a copy of my credit report and noticed several inaccuracies. As well as unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint to dispute the payment history associated with several accounts on my credit report. Upon reviewing my report, I identified multiple inaccuracies that appear to be billing errors as defined under 15 U.S.C. 1666 ( b ) of the Truth in Lending Act.

Legal Violations Identified : The creditors involved have failed to comply with their legal responsibilities under 15 U.S.C. 1666 ( b ), including : 1666 ( b ) ( 4 ) : Failure to properly reflect a payment or credit made by me on my billing statement.

1666 ( b ) ( 5 ) : Computation or accounting errors made by the creditor on the statement. 

Additionally, I did not receive billing statements at least 21 days before payment due dates, which is required to assess late fees or report late payments under federal law. As such, the late payments currently reported on these accounts are invalid and should not exist on my credit profile. 

Requested Actions : I am formally requesting the following : Documented proof that I was actually late on each of the listed accounts, including due dates, billing dates, and payment dates. 

If no such documentary evidence can be provided, I request that the late payment status be updated to " Paid on Time '' on all affected accounts. 

Immediate correction of my credit report to reflect accurate payment history. 

Disputed Items : XXXX XXXX Account Number : XXXX * * * * XXXX  Account Number : XXXX * * * * XXXX ( Duplicate entry of same account with multiple late reports ) Account Number : XXXX * * * * Other Agencies Notified : This complaint has also been sent to the following agencies for review and enforcement : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Office of the State Attorney General Conclusion : These reporting errors have a negative and unjustified impact on my creditworthiness. I am requesting immediate investigation, correction, and documentation. Failure to act in compliance with federal law may result in further formal complaints or legal action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

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