vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX  ( XXXX ) and the credit bureaus are reporting false and damaging late payment information on my active account number XXXX, even though the account is open and in good standing. Despite being current and paid as agreed, my credit reports show false 90-day late payment remarks, inconsistent update dates, and misleading payment status codes.

This violates the Fair Credit Reporting Act ( FCRA ) specifically 607 ( b ), which requires furnishers and credit bureaus to ensure maximum possible accuracy, 611 ( a ) ( 5 ), which mandates deletion or correction of unverifiable information, and 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known or believed to be inaccurate. 

The inconsistent reporting across bureaus, combined with unverifiable late payment data, proves that proper reinvestigation and verification were never performed. The creditor has not provided any primary documentation such as a signed agreement, detailed payment ledger, or billing statements to substantiate these alleged delinquencies. As a result, my credit score and overall profile have been severely and unfairly damaged. 

This false reporting has caused emotional distress, loss of credit opportunities, and reputational harm by misrepresenting me as a high-risk borrower when I have maintained timely payments. Continued publication of unverifiable late data constitutes willful noncompliance with FCRA accuracy and reinvestigation requirements, as well as a direct violation of XXXX XXXX standards for current open accounts.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 am also asking TransUnion to review the items below. I believe some XXXX not be reporting accurately and need to be checked for correctness. 

Accounts in Dispute : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX {$380.00XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX {$1200.00} Inquiries to Confirm : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX was repossessed while I was XXXX in XXXX XXXX XXXX and later XXXX XXXX. Ally Financial did not provide the required UCC 9-611 Right to Cure Notice, UCC 9-613 Notice of Intent to Sell, or UCC 9-614 Post-Sale Deficiency Notice. 

I did not receive any notices before or after the repossession, and I was not given an opportunity to cure the loan or redeem the vehicle prior to sale. The vehicle was sold through XXXX XXXX without legally required notice. 

Under state and federal law, when proper notice is not provided, the deficiency balance becomes unenforceable and the repossession reporting can not be legally reported to the credit bureaus. Ally is furnishing inaccurate and incomplete information under FCRA 1681s-2.

I am requesting the following resolution : 1. Removal of the repossession from all credit reporting agencies 2. Waiver of any alleged deficiency balance in full 3. Written confirmation of resolution I have already disputed this directly with Ally and XXXX and am requesting CFPB enforcement to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
TekCollect is reporting a collection account for XXXX XXXX XXXX  that is the result of potential fraud. The Consumer Financial Protection Bureau and XXXX  have already identified possible fraudulent activity related to this account ( CFPB Case # XXXX ). 

I provided documentation to TekCollect, including my ID and proof of address, yet they claim they can not remove it from my credit report. Under the Fair Credit Reporting Act ( FCRA 605B

), they are required to cease collection activity and request deletion of fraudulent or identity-theft-related accounts. I am requesting that the CFPB require TekCollect to remove this account from all credit reports and confirm in writing that no further collection attempts will occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, XXXX issued a {$1100.00} refund to a buyer even though the buyer did not return the item through eBays required authentication process. Instead, the buyer shipped it elsewhere, and it never arrived at the XXXX authenticator or back to me. 

Despite this, XXXX charged me {$1000.00} {$500.00} was withdrawn from my Wells Fargo checking account through ACH and another {$500.00} was withheld from my XXXX sale proceeds. 

I disputed the ACH debit with Wells Fargo, explaining that the charge was unauthorized because the return did not follow eBays required process and I never received the item back. Wells Fargo closed my claim without reviewing the full documentation or providing an explanation.

I am requesting the reversal of this ACH withdrawal and restoration of the funds to my account. I can provide eBay tracking records showing the return was never delivered to the authenticator or to me, as well as communications confirming eBays mishandling of the refund

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital ( a company claimed for debt collection ) called me and I told them I did not recognize this number if they did not identify themselves I would block the number. They claimed I have a debt that I do not have. I explained its not my debt and as a debt collector they had no legal rights to harass me * allegedly * if even this was true but I again said I did not have this debt then they started to get angry and threatened to contact all major creditors on my behalf and report this ( the debt they claimed was even past barred-limits ) and I again told them to stop contacting me over debt that isnt mine. Then he hung up. They have no legal rights to touch my credit report and I want this addressed. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Again I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house

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 2025-11-10 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: NC

Complaint narrative:
I am requesting Experian to review and reinvestigate the information below. I am acting in good faith to correct my credit report, as some accounts may be inaccurate, unverifiable, outdated, or reported inconsistently across bureaus. Under the FCRA, I am entitled to fair and accurate reporting, so I kindly request that Experian verify all details and make necessary corrections or deletions where appropriate. 

Accounts in Dispute Charged Off Creditor Account # Date Balance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} Late Payments in Dispute These late payments require verification as they may not be accurately reported. 

Creditor Account # 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 2025-11-10 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 disputing the accounts listed below as they are being reported inaccurately and are negatively affecting my credit. I am requesting a reinvestigation and correction or removal of any information that can not be verified. 

CHARGED OFF ACCOUNTS : 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 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF XXXX U.S.C. XXXX ( A ) ( XXXX ) ( B ) ( XXXX ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY XXXX U.S.C. XXXX ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Re- Open Claim No. XXXX On the night of XX/XX/year>, at approximately., XXXX XXXX while departing from a nightclub located in XXXX XXXX Florida , I was the victim of a violent robbery perpetrated by two unknown male suspects. The individuals approached me suddenly and without provocation, using force and intimidation to seize my personal property. 

During this incident, the suspects forcibly took possession of several valuable and personally identifiable items, including but not limited to my XXXX XXXX, wallet, United States passport, Bank of America debit card, and various other personal effects. 

As a direct result of this crime, I was left without immediate access to communication or financial resources, rendering me unable to promptly notify my financial institution or secure my accounts. 

Subsequent to the robbery, the perpetrators illegally accessed my personal and financial information and used my Bank of America debit card to conduct a series of unauthorized transactions totaling approximately {$5000.00}. These fraudulent purchases occurred without my knowledge or consent and represent a clear case of identity theft and financial exploitation following a violent criminal act. 

Upon discovering the unauthorized activity, I immediately contacted Bank of Americas Fraud Department On XXXX, XXXX, 2025 to report the incident and initiate an investigation. A formal claim was filed under Claim No. XXXX. Additionally, I reported the robbery and ensuing financial fraud to the XXXX Police Department, where an official police report was generated to document the theft, initiate a criminal investigation, and preserve evidence related to the incident. 

This statement is made in good faith and is a truthful and accurate account of the criminal acts committed against me on the night of XX/XX/year>. I am cooperating fully with both law enforcement and my financial institution to assist in the investigation and to recover my losses.

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 2025-11-10 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: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a completely accurate credit report. I am requesting that these accounts be reviewed, and if their accuracy can not be verified, they should be deleted from 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 2025-11-10 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint against Capital One due to multiple fraudulent credit card accounts that were opened in my name without my authorization, as well as unauthorized withdrawals of funds from my account. 

Despite my repeated attempts to resolve this matter directly with Capital One, they have refused to close the fraudulent accounts or return the money that was wrongfully taken. I have provided them with all the necessary documentation and proof showing that I did not open or authorize these accounts, yet they continue to disregard my reports and allow these accounts to remain active.

This situation has caused me significant financial stress and has negatively impacted my credit. I am requesting that the CFPB investigate Capital Ones handling of this matter and require them I am asking for the CFPBs assistance to ensure this issue is properly investigated and resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am disputing the following accounts with Experian and request verification and correction of any inaccuracies in the reporting of the following charged-off accounts, inquiries, and late payments : CHARGED OFF XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Status : Charged Off Dispute Reason : This account is inaccurately reported. Please correct the status and verify with supporting documentation. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Account Status : Charged Off Dispute Reason : This account is being inaccurately reported. Please verify the account status. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Account Status : Charged Off Dispute Reason : The reporting of this account does not match my records. Please provide verification. 

INQUIRIES No inquiries to report at this time ( or add any details if applicable ). 

POSITIVE No positive accounts to report at this time ( or add any details if applicable ). 

LATE PAYMENT XXXX XXXXXXXX Date of Last Payment : ( Add if known ) Amount of Payment : ( Add if known ) Dispute Reason : I dispute this late payment due to inaccuracies.

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 2025-11-10 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: MA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Requested contract of debt and received a bill. Need contract because account opened without my authorization

Company response to consumer: Closed with explanation