vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunnova Energy Corporation
State: MD

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I am submitting this formal complaint in follow-up to the complaint filed on XX/XX/2025, under reference number XXXX. The company involved has failed to take corrective action to remove inaccurate and unlawful information from my credit report, in direct violation of federal law. 

The creditor in question has reported an account as paid and closed, yet continues to reopen and reclose the account without cause, which constitutes false and misleading reporting. This is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information that is known or should be known to be inaccurate. 

15 U.S. Code 1681i Consumer reporting agencies must conduct a reasonable investigation of disputed information and correct or delete inaccurate data within 30 days. 

15 U.S. Code 1666b Requires accurate and timely crediting of payments and treatment of account activity. 

Additionally, I was verbally informed by the creditor that if I transferred the account from my personal name to my XXXX, the inaccurate tradeline would be removed. This account was originally intended to be under my XXXX at the time of contract signing, as the property associated with the account is owned by the XXXXnot me personally. 

Despite following the creditors directive and taking corrective steps, the inaccurate information has not been removed. This amounts to misrepresentation and deceptive trade practices, potentially violating : 15 U.S. Code 1692e ( 10 ) Under the Fair Debt Collection Practices Act ( FDCPA ), the use of any false representation or deceptive means to collect or attempt to collect any debt is prohibited. 

15 U.S. Code 45 Under the Federal Trade Commission Act, unfair or deceptive acts or practices in or affecting commerce are unlawful. 

This creditors actions have caused significant and ongoing harm to my personal credit profile and financial standing. I am demanding the immediate removal of the inaccurate and unlawful information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued to seek remedies under all applicable federal consumer protection statutes.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2025-06-16 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: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Someone used my debit card for a {$300.00} XXXX charge and it has not been refunded to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
Report XXXX XXXXXXXX XX/XX/year> Remark was removed, unfortunately the payment history of late payments and XXXX as XXXXXXXX XXXX are still posted in my credit file with XXXX. Raise up my CREDIT SCORE. 
This needs to be corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute the accuracy of items listed on my Experian credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request an immediate investigation into this account and correction or removal of any information that can not be verified or is inaccurate. 

The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this account for the following reason : The accuracy and validity of this debt is in question. I do not have a record or recollection of any account with XXXX XXXX in the amount reported, nor have I received proper validation of this debt. I am requesting that you provide documentation verifying the details of this account, including the original creditor, date of default, and signed agreement ( if any ) that proves I am legally responsible for the alleged debt. 

If you can not verify this information in accordance with 15 U.S.C. 1681i ( a ) within 30 days, the law requires you to delete the account from my credit file. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or removed. 

Please provide written confirmation of the outcome of your investigation, along with an updated copy of my credit report. 

Thank you for your attention to this matter. I expect a timely response within the 30-day investigation window.

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 2025-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
UpgradeCard/ line of credit This company had changed that I was not aware of XXXX XXXX cash back / credit card that's XXXX I want off Also all negative things and soft hard inquiries off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX rented an instrument from the school. The instrument was in my name but not rented by me, also the instrument was returned under the terms of the contract.

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 2025-06-16 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: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: PR

Complaint narrative:
Reporting late payments I never missed I am filing this complaint because XXXX XXXX XXXX XXXX XXXX is incorrectly reporting late payments on my mortgage ( loan XXXX XXXXXXXX ) between XX/XX/XXXX and XX/XX/XXXX, damaging my credit. 
On XX/XX/XXXX, I formally notified the bank via email ( to XXXX ) that my mortgage account was under review by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) regarding a property tax exemption case. I provided documentation supporting the exemption request and clearly requested resolution of the matter. 
Despite this notification and pending investigation, the bank reported my account as late during that period. I have never missed a payment, and the negative reporting is inaccurate and unfair. 
Furthermore, the payment that bank did under an amnesty must be voluntary by the tax payer owner or an authorized representative. If a payment is made under an amnesty, it is not allowed any payment invoice revision. It is known that the payment was not authorized and voluntarily neither. This is the main controversy here with XXXX XXXX XXXX XXXX XXXX. In addition, bank paid on XX/XX/XXXX while a claim was open in the XXXX XXXX XXXX at XXXX. The bank organized the payment on XX/XX/XXXX with me after bank paid on XX/XX/XXXX without knowing it. 
The previous paragraph is according to XXXX XXXX XXXX XXXX XXXX Terms and Conditions, subsections 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 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To whom to whom this may concern I'm writing formally dispute a XXXX XXXXXXXX account that was prepared as charged off listed as delinquent, and later sold a to a third party collection agency after it has already been removed from my credit report. 
Original account [ XXXX  ] The debt as previously removed from my credit report, constant with the legal time limits set ( FRCA ) specifically the 7 year reporting limitation charged off in delinquent debts under 15 US.Code 168 1c ( a ) ( 4 ) - ( 5 ). 
Yet despite this the debt has now rseerfaced under a new collection agency even though 1. The debt was already removed from the credit report in accordance with FCRA rules. 
2. If it is past the time frame for reporting and can not be legally resold restart with the clock ( a violation known as ( " re-aging '' ) 3. I was not provide with proper debt validation as required under the fair credit debt collection practices act ( FDCPA ) Specifically 15 U.S. Code 1692g. 
This is an illegal attempt to circumvent consumer protect, and I demand that this account be immediately removed from my credit reports with all three credit agencies XXXX XXXX XXXX XXXX 
I be provided with written confirmation that this account will not be resold, re reported, or other wise placed back on my file. 
The collection agency and any involved parties cease any and all collection efforts until l the marter is resolved lawfully. 

If this is account is not resolved, I will file a formal complaint with the consumer financial protection agency ( CFPB ) and the federal trade commission ( FTC ) and my state attorney general office, I also reserve the right to to take legal action for violations of my rights FCRA and FDPA. 

Please respond to this dispute in writing within 30 days as requested by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Creditor Name : Bridgecrest Account Type : Auto Loan Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date Closed / Repossessed : XX/XX/XXXX Charge-Off Amount Reported : {$26000.00} Outstanding Balance Still Showing : {$14000.00} Amount Car Was Sold For After Repossession : {$6000.00} ( as stated in Bridgecrests documentation dated XX/XX/XXXX ) Reported Status : Charged-Off Repossession Bureaus Affected XXXX XXXX XXXX XXXX Violations and Consumer Harm : 1. Falsified Chronology Repossession After Charge-Off Bridgecrest has reported the account as charged off first, then repossessed, which is false and deceptive. Once an account is charged off, repossession is no longer valid under standard legal and accounting practices. Reporting these events out of order clearly violates the FCRA, which requires accurate and truthful reporting. 

XXXX. Double Derogatory Events Willful Credit Harm Bridgecrest reports both a charge-off and a repossession as two distinct, time-separated delinquencies. This artificially compounds the damage to my credit and is a deceptive, unfair credit reporting tactic.

3. Failure to Validate Debt FDCPA Violation ( 15 U.S.C. 1692g ) Bridgecrest contacted me by phone and email but failed to provide written notice of my right to dispute the debt within 5 days, as federal law requires. They have provided no validation of the balance they claim I owe. Despite this, they continue to report the debt, which directly violates the FDCPA.

4. Ongoing False Past-Due Reporting on a Closed Account The account remains marked as past due each month, even though it has been closed and charged off. This is inaccurate and unfairly extends the derogatory impact on my credit file.

5. Failure to Disclose Debt Ownership or Transfer There is no indication on my credit report or in Bridgecrests communications whether the debt has been sold or assigned to another party, which obstructs my legal right to challenge the debt with the actual creditor.

6. Unfair and Predatory Deficiency Balance After Repossession According to Bridgecrests Explanation of Calculation of Surplus or Deficiency dated XX/XX/XXXX, the vehicle ( a XXXX XXXX XXXX ) was sold for only {$6000.00}. Despite this, Bridgecrest is attempting to collect a deficiency balance of {$17000.00}. The sale proceeds were not adequately credited toward the loan balance, and Bridgecrest applied generic charges like disposition expenses and retaking fees without transparent documentation.

This is an abusive post-repossession practice and may also violate UCC Article 9, which requires repossessed vehicles to be sold in a commercially reasonable manner. There is no justification for expecting me to pay nearly three times the value of the vehicle post-sale without full disclosure of how the deficiency was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding their handling of an alleged XXXX credit card debt. I sent them two written debt validation requests via certified mail, requesting full documentation under the Fair Debt Collection Practices Act ( FDCPA ) for Account # XXXX. 

In response to both letters, Midland provided only a single billing statement from the original creditor and a generic forwarding notice from XXXX stating that payments should be made to Midland. These documents do not meet the validation standards outlined under federal law.

Specifically, they failed to provide : - A signed agreement or contract proving liability - A full payment and charge history - Documentation showing Midland legally owns or has been assigned the debt Despite my clear written dispute and repeated requests, Midland has continued to assert that the information they provided is sufficient. They also stated that they are unsure what part of the debt I am disputing, despite my clear written requests. 

I believe this is a violation of the FDCPA, and I am requesting that : - Midland cease all collection efforts until full validation is provided - Any tradeline they have reported to the credit bureaus be removed - Midland close the account if they can not validate it properly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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