vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX XXXX To : Kimball , Tirey & St. John LLP XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Communication Regarding Alleged Debt Account No. XXXX Dear Kimball , Tirey & St. John LLP, I am writing to you regarding the alleged debt referenced under Account Number XXXX. Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me concerning this alleged debt.

This includes, but is not limited to, telephone calls, letters, emails, text messages, or any other form of contact. You are hereby notified that any further communication from your company, except as permitted by law under 1692c ( c ) namely, to ( 1 ) advise me that your collection efforts are being terminated, ( 2 ) notify me that you may invoke specified remedies, or ( 3 ) notify me that you intend to invoke a specified remedy will constitute a violation of federal law. 
Additionally, I dispute the validity of the alleged debt associated with Account No. XXXX. Until you provide written verification of this debt as required under 15 U.S.C. 1692g, you must cease all collection activity, including any reporting to credit bureaus or further attempts to collect.

Failure to comply with this notice will result in formal complaints being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the California Attorney Generals Office. I also reserve my right to pursue all available legal remedies under both federal and state law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WV

Complaint narrative:
The XXXX sold a fake that suggestion XXXX  Jefferson Capital couldn't prove the debt and XXXXXXXX XXXX not allowed to keep anything about me or mine or anyone else after selling so-called debt and XXXX 's not allowed to reach back out to XXXX after they bought the so-called debt so they both are doing illegal moves either remove everything on my credit report and compensate me or I will see Jefferson Capital XXXX and XXXX  in court. Experiencing never let XXXX and Jefferson Capital both come back on my credit report because XXXX had sold it to Jefferson so I will be contacting a lawyer unless I'm compensated within 5 to 7 days I will be contacting the lawyer thank you now get it off my report and compensate me for the aggravation and everything else y'all put me through. So remove it now condensate me for all this time years now y'all been putting me through this for no reason cuz I don't know XXXX didn't overrizing that's my service was shut off they were still trying to collect money from me for over a year and I don't owe them nothing they sold it and they're still trying to collect with Jefferson now experience said thank you please remove it off of my report now and I'm going to come stay there for everything you'll put me through for the last years since XXXX XXXX I'll see everyone on court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} 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 2025-11-03 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # : XXXX, has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: LA

Complaint narrative:
The Deletion or Blocking of Accounts due to potential unauthorized inquiries is governed by FCRA Section 604 [ 15 U.S.C. 1681b ], which outlines permissible consumer report purposes. I am writing to formally dispute the accounts on my consumer credit report mentioned below, resulting from potential fraud or potential unauthorized activity. I request concrete evidence with my valid signature/electronic signature. This letter represents my complaint, emphasizing the potential violation of my consumer rights under the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. These actions appear to have been initiated without proper validation or original proof from the reporting companies, a matter I have also addressed directly with said companies. 

UNITED REVENUE XXXX XXXX UNITED REVENUE XXXX XXXX UNITED REVENUE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, as the duly authorized representative of XXXX XXXX XXXX, pursuant to the executed Consumer Authorization and Limited Assignment Agreement dated XX/XX/XXXX. XXXX XXXX authorizes this filing under his rights granted by the Fair Credit Reporting Act ( FCRA ) against XXXX  for willful failure to conduct a lawful and reasonable reinvestigation concerning inaccurate reporting. Despite XXXX XXXX prior dispute, XXXX  continues to report a false late payment on his XXXX XXXX account ending in XXXX, allegedly dated XX/XX/XXXX, even though clear documentation disproves the existence of such delinquency. This continued publication of false and unverifiable data constitutes a direct violation of FCRA 1681i, which requires a proper reinvestigation of disputed information, and 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting data known or reasonably believed to be inaccurate. XXXX  has failed to disclose the name and title of the verifier, the verification method used, or copies of any supporting documents from the furnisherclear evidence that no proper verification was ever completed. Such actions represent reckless disregard for consumer rights, obstruct transparency, and have caused measurable harm to XXXX XXXX credit reputation and financial standing. This misconduct demonstrates willful noncompliance under FCRA 1681n and negligence under 1681o, for which XXXX  is fully accountable. Therefore, we respectfully request that the Consumer Financial Protection Bureau take immediate enforcement action compelling XXXX  to delete the unverifiable late payment, issue written confirmation of correction, and conduct a compliance review to prevent future violations. If XXXX  continues its noncompliance, XXXX XXXX and his authorized representative reserve the right to pursue full legal remedies, including claims for statutory, actual, and punitive damages.

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 2025-11-03 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:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint because Mercedes Benz Financial Services continues to report a fraudulent account on my credit file despite my providing proof of identity theft and an FTC Identity Theft Report ( Report No. XXXX ). The account in question ( Account No. XXXX ) was opened without my knowledge or consent. I formally disputed this account and submitted all necessary documentation, including my FTC report and identification, in my letter dated XX/XX/year>. 

Mercedes Benz Financial Services has failed to conduct a reasonable investigation and has not removed the fraudulent tradeline as required under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) and 1681c-2. The companys inaction has resulted in continued harm to my credit standing and constitutes willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
When I contacted Chase Bank on XX/XX/XXXX. The gentleman informed me that yes they had refunded the money back to my mortgage company they actually gave me tracing numbers however my mortgage company does not accept partial payments and so they returned it back to the bank and now Chase Bank is insisting that they turned around and gave me the money which they did not. Then he proceeded to tell me that he contacted my mortgage company and they told him that the mortgage company said that it was OK to give me the money. I then informed him that I find that very hard to believe. So this has been going on since XX/XX/XXXX they have frozen my account three times and the official closing time shouldve been within 10 working days however its been two and a half months and I still have not gotten any results. Every time I talk to someone in their claims department I get inconsistent answers. No one actually knows what theyre doing is what Im gathering. I just want my {$4400.00} back so that I can put this incident behind me and go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: KY

Complaint narrative:
MOHELA issued a Form 1099-C, which appears on my IRS tax transcript, canceling my federal student loan.

Under IRS Regulation 1.6050P-1, this confirms the debt was discharged.

Despite this, MOHELA and the credit bureaus continue to report the debt as owed, which is false. 
XXXX  reports the loan as closed but still showing a balance. 
XXXX reports the loan as open, active, deferred, and showing the full balance.

This is inaccurate and misleading reporting, and violates : FCRA 1681e ( b ) failure to report maximum accuracy FCRA 1681s-2 unlawful furnishing of inaccurate data FCRA 1681i failure to correct after dispute IRS cancellation rule 1.6050P-1 debt is discharged A canceled debt can not legally be reported as owed or updated as active.

I am requesting immediate correction to show {$0.00} balance and discharged status, or deletion of the tradeline.

I have attached : IRS transcript showing 1099-C cancellation Credit bureau screenshots Copies of dispute letters

Company response to consumer: Untimely response
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally report XXXX  continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/2025, XX/XX/2025, Experian has failed to remove or block the fraudulent XXXX XXXX XXXX that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Experian with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 2. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 3. Inquiry XXXX XXXX XX/XX/year> - Appears on report without written authorization 4. Inquiry XXXX XX/XX/year> - Appears on report without written authorization 5. Inquiry XXXX XXXX XXXX, XX/XX/year> - Appears on report without written authorization 6. Inquiry XXXX XXXX XXXX XX/XX/year> - Appears on report without written authorization 7. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 8. Inquiry XXXX XXXX XXXX XX/XX/year> - Appears on report without written authorization 9. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 10. Inquiry XXXX, XX/XX/year> - Appears on report without written authorization 11. Inquiry XXXX, XXXX - Appears on report without written authorization

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continue to negatively impact my credit. 
Acct XXXX XXXXXXXX XXXX XXXX, XXXX Multiple inaccurate personal information. 
Despite my efforts to resolve this directly with the reporting bureaus it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and it is harming my credit. 
This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank I transferred the credit card to personal loan never been late and they are not reporting accounts incorrectly. I made arrangements with them to make payment to them for 60 months at the amount of {$110.00} wich I have cashed checks from them. This is affecting my mental health as been a XXXX owner with XXXX employees. They making feel frustrating and they making feel been degrading as a XXXX being. When I reach out to them to make arrangements with them first

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this follow-up complaint against Bank of America XXXX My mother, XXXX XXXX, filed the original complaint on my behalf with my full permission. I understand that Bank of America does not accept complaints submitted by representatives, but I am now resubmitting this complaint directly under my own name. 

In XXXX XXXX, I was the victim of an international fraud scheme carried out by XXXX criminals impersonating XXXX authorities. Under pressure and believing I was under investigation, I was coerced into wiring {$200000.00} from XXXX Bank of America account to XXXX XXXX. I am a XXXX autistic individual, and during this period, I was extremely anxious and confused. 

Bank of America ignored multiple red flagsemployees observed that I was visibly distressed and noted inconsistencies in my wire instructionsbut failed to intervene. After the fraud occurred, the bank froze and then seized my remaining balance of approximately {$20000.00} on XX/XX/year>. It is now XXXX, and I have been unable to access my own money for nearly XXXX months, despite visiting the XXXX XXXX XXXX  in XXXX, XXXX, where I presented my drivers license, debit card, and other identification to verify that I am the account holder. 

The funds in question are verifiably mine, transferred from my XXXX account in my own name. XXXX  XXXX XXXX refusal to release them effectively punishes me for being the victim of a crime. I respectfully request that the CFPB require Bank of America to immediately return my {$20000.00} balance and review its policies toward fraud victims to prevent others from experiencing similar harm.

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 2025-11-03 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: NY

Complaint narrative:
I am submitting to you as a concerned consumer regarding several unauthorized and inaccurate items appearing on my credit report. Upon review, I discovered inquiries and information that violate my rights under the Fair Credit Reporting Act ( FCRA ). These entries have not only caused confusion but have also impacted my creditworthiness without my consent or proper authorization. 
Recently, upon reviewing my credit report, I noticed unauthorized and inaccurate inquiries, names and addresses that appear without my consent or any permissible purpose. The inquiries in question are as follows : 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