vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally express my concern regarding a legal hold that was placed on my account in the amount of {$6900.00} under a " Pending Hold '' status. 

This hold was applied on or around XX/XX/year>, without any prior notice, explanation, or communication from your office. I only became aware of this action upon reviewing my account activity. 

As of today, XX/XX/year> I have taken the following steps to resolve the issue : Contacted your customer service team by phone on XX/XX/year>, but was not provided with sufficient information regarding the reason for the hold. 
Submitted a secure message via the online banking portal which has yet to receive a response. 
Reviewed any recent correspondence or legal notices sent by your institution and have found none related to this hold. 
This unexpected hold has caused a significant disruption to my financial obligations, and I am requesting immediate clarification and resolution. Specifically, I would like : A detailed explanation for the legal hold, including the originating party and legal basis. 
Documentation, if any, supporting the action taken. 
A timeline for when this hold will be reviewed or lifted. 
Please consider this an urgent matter, and respond in writing within 10 business days. If this issue is not resolved promptly, I may be forced to escalate it further with the appropriate regulatory authorities.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am disputing a debt reported by Midland Credit Management XXXX in the amount of {$2500.00}, listed as opened on XX/XX/year>. I have no recollection of this account, and the credit report provides no information about the original creditor, account type, or debt origin. This lack of detail makes it impossible for me to verify the debts validity. 

Additionally, I suspect this may be a case of re-aging, where Midland is reporting the debt with a recent open date despite its likely origin being much older. This is a potential violation of the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ).

Under FCRA Section 609 ( a ) ( 1 ), I am requesting full validation, including : Name of the original creditor Date of first delinquency Legal documentation proving ownership and collection rights If Midland can not validate this debt, it must be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
Dear NMAC Consumer Solutions Department, I am writing to formally dispute the repossession and charge-off on my credit report and records associated with the above-referenced account. The repossession of the vehicle in question occurred in XXXX, Alabama, while it was parked at a public XXXX restaurant and constitutes a breach of peace, as prohibited under UCC 7-9A-609 ( b ) and Alabama state law.

According to UCC 9-609 ( b ) and Alabama Code 7-9A-609 ( b ) : b ) : A secured party may proceed without judicial process if it proceeds without breach of the peace.

Repossession at a public restaurant without my consent or notification created a public disturbance, and in doing so, violated my legal protections. Therefore, the repossession was unlawful, and all consequences flowing from it including the charge-off, credit reporting, and balance deficiency are legally disputable. Pursuant to : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i I am requesting : Immediate investigation and removal of the wrongful charge-off and repossession from all consumer credit reporting agencies.

Verification of the debt, including all documents authorizing the repossession.Cancellation of any deficiency balance, as it resulted from an unlawful repossession.

Proof of lawful notice prior to the repossession. 
Supporting Information : Location of repossession : XXXX, XXXX, Alabama XXXX written or verbal notice was provided prior to repossession. 
No opportunity for an extension for hardship from XXXX XXXX XXXX loan program vechicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
these alleged accounts are charged off and payments do not match

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to rewove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}

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 2025-07-21 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: NJ

Complaint narrative:
EXPERIAN, is acting in bad faith, violating my due process rights, by refusing to provide evidence for the records, my lawful request method of verification under FCRA ( Section 611 ( a ) ( 6 ) ( B ) ( iii ) - how EXPERIAN and all Credit Reporting Agencies, verified all disputed items but not limited to XXXX XXXX XXXXXXXX Account XXXX, that I do not recognize. EXPERIAN, refusal to protect my good name and rights, constitutes, harassment, discrimination, defamation and deprivation to conduct commerce. I do charge {$50.00} in GOLD, per day, for innacurate information, on my credit report. 

in propia persona, XXXX XXXX XXXX, Without prejudice, UCC 1-308 .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX  [ XXXX XXXX Address ] RE : Account Closure Request and Do Not Reinsert Instruction To Whom It May Concern, I am writing to formally request the closure of my account with XXXX XXXX, originally opened on XX/XX/XXXX. As of the most recent update, the balance is {$2300.00}. Please process this account for official closure and provide a written confirmation of the closure. Additionally, under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally requesting that if this account is ever removed from my credit report for any reason, it must not be reinserted without proper notice and verification as required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA. Any reinsertion without written notification would be considered a violation of federal law. Please update your records accordingly and confirm that this account will be reported as 'Closed by Consumer ' and that you will not reinsert any derogatory information related to this account in the future without appropriate compliance. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX [ XXXX XXXX Address ] RE : Account Closure Request and Do Not Reinsert Instruction To Whom It May Concern, I am writing to formally request the closure of my account with XXXX XXXX, originally opened on XX/XX/XXXX. As of the most recent update, the balance is {$2300.00}. Please process this account for official closure and provide a written confirmation of the closure. Additionally, under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally requesting that if this account is ever removed from my credit report for any reason, it must not be reinserted without proper notice and verification as required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA. Any reinsertion without written notification would be considered a violation of federal law. Please update your records accordingly and confirm that this account will be reported as 'Closed by Consumer ' and that you will not reinsert any derogatory information related to this account in the future without appropriate compliance. Thank you for your attention to this matter. 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account and deposited a cashiers check on XX/XX/XXXX and since then the bank has froze. My account told me to wait 10 days sent me a letter saying I only had to wait five days but then they changed the date every 15 days and say I got ta wait 10 more days. This has been going on since XXXX XXXXand they wont give me a reason as to why they froze my account.

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 monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am filing a complaint formally dispute certain information on my credit report, as provided to me by your agency. This letter is a formal notice to request the reinvestigation and deletion of inaccurate, incomplete, or unverifiable information in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 
Please investigate the following accounts, as I believe they are inaccurately reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am filing a complaint formally dispute certain information on my credit report, as provided to me by your agency. This letter is a formal notice to request the reinvestigation and deletion of inaccurate, incomplete, or unverifiable information in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 
Please investigate the following accounts, as I believe they are inaccurately reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/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 2025-07-21 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: TN

Complaint narrative:
I am filing a complaint formally dispute certain potentially fraudulent information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute any information that is incomplete, or unverifiable. 
Upon reviewing my credit report, I noticed the following items that I believe are being reported in error and/or are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
There are 2 XXXX XXXX accounts on my credit that doesnt belong to me 1. Account type- XXXX  XXXX credit card ( authorized user ) Account balance- {$460.00} Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account open date- XX/XX/XXXX 2 Account type- XXXX XXXX credit card Account balance- {$470.00} Account number-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account open date- XX/XX/XXXX

Company response to consumer: Closed with explanation