vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FCRA ) .Please investigate the following accounts : XXXX XXXX XXXX XXXX Account # XXXX ) : The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. 
The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. 
Thank you for your time and attention to this matter.

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reports multiple discrepancies, my financial institution and Zelle fail to investigate my claims adequately. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Prior complaint filed and company stated they would cease collection and this has not been removed from my credit report. Prior complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On or about XX/XX/2022, a collection account was opened and reported by Cavalry Portfolio SE in my name for approximately {$1800.00}.

I have no contract, agreement, or relationship with Cavalry Portfolio SE. They are not the original creditor and have never provided any evidence of assignment, bill of sale, or valid contract establishing a legal or lawful claim against me.

Cavalry Portfolio SE appears to have unilaterally created and reported this account after allegedly purchasing or acquiring it from another creditor without my consent or signature. Such action lacks privity of contract and therefore no enforceable obligation exists between us.

In accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Cavalry Portfolio SE is required to provide verification and validation of any alleged debt upon request. I have mailed dispute and validation letters to their listed address, and all certified letters were returned undeliverable, proving they have failed to maintain a valid dispute contact and have never responded.

Despite Cavalrys failure to validate or even receive correspondence, they continue to furnish negative information to credit reporting agencies, violating their duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) to report only accurate and verifiable information.

Because Cavalry Portfolio SE can not produce a signed contract, assignment, or validation of debt, their continued reporting constitutes false representation, lack of standing, and negligent furnishing of data. This has caused measurable harm to my credit reputation and financial standing.

I request that the CFPB investigate this matter and hold Cavalry Portfolio SE accountable for maintaining and reporting an unverified and unauthorized account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to complaint XXXX Theres no contract because the Trustee failed to produce one. I never confirmed with Tennessee Department of Insurance and Commerce that I signed anything because no employee never contacted me to conduct an initial investigation and as far as Im concerned, Tennessee Department of Insurance and Commerce have conspired with Toyota Financial Services to conceal records. The company is proven to be an organization where criminal activity is carried out, co-signed and/or engaged in by employees during business hours involving securities fraud. The evidence proves that. Someone from Toyota who refuses to state their name when responding to these complaints also mentioned accounting records but heres the thing : Theyve refused to hand over those accounting records which proves that the servicer got permission from the investor to foreclose on my property and that the servicer actually provided a loan to me when its already evidence as an error because the record has nothing to do with me! Theyre reporting falsified information to consumer reporting agencies and are monetizing those fictitious bank statements. Theres no evidence which proves that All documents sent by Toyota employees to the Consumer Financial Protection Bureau portal are not in fact counterfeit documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am filing a complaint because XXXX  is reporting inaccurate and misleading account information from multiple furnishers on my credit file dated XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX This account is reported as Charged Off with a status date of XX/XX/XXXX, but XXXX  continues to update the balance and show it as past due {$1900.00} through XX/XX/XXXX. Once an account is charged off, the balance must be reported as {$0.00} and not updated further. Reporting a charge-off and a current past-due balance simultaneously is inaccurate and violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) - ( 2 ). 
XXXX. XXXX XXXX Acct # XXXX ( opened XX/XX/XXXXXXXX  ) XXXX  reports this account as Charged Off for {$3100.00} with continuing balance updates through XX/XX/XXXX, even though the status was finalized in XX/XX/XXXX. This is an example of post-charge-off reporting, which is misleading and violates FCRA accuracy standards. 
XXXX. XXXX XXXX Acct # XXXX ( opened XXXX XXXX  ) This account simultaneously shows Paid / Closed and {$230.00} written off. These contradictory status codes create an inaccurate and misleading impression on the report. 
XXXX. XXXX  XXXX Acct # XXXX This account was closed in XX/XX/XXXXXXXX  but still shows 30-, 60-, and 90-day late marks after closure. Closed accounts should not continue to accrue delinquencies. 

These inaccuracies remain despite prior disputes, which indicates XXXX  failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ). 

I request that the CFPB require XXXX  and the data furnishers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) to : Delete or correct the inaccurate trade lines ; Stop post-charge-off balance updates ; Ensure my report reflects accurate {$0.00} balances and Paid / Closed statuses ; and Provide written confirmation of the corrections or deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

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 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 2025-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is reporting a late payment and labeling this tradeline as Account Not in Dispute, which is completely inaccurate. I have disputed this account multiple times, and no valid documentation has ever been produced.

Under FCRA 623 ( a ) ( 3 ), a furnisher must report an account as in dispute when notified by the consumer. Failing to do so while continuing to furnish data violates FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ) ( A ) ( duty not to report false information ).

Furthermore, Capital One has not provided actual bank statements, billing statements, or proof of late payments meaning this information is hearsay and unverifiable under FCRA 611 ( a ) ( 1 ) ( A ). 
Per XXXX XXXX Manual XXXX, data furnishers must maintain documentary evidence supporting derogatory codes such as XX/XX/year> days late. Reporting without documentation is considered factual inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

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 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 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
You have 60 days from when the company responded to your complaint to provide feedback. You now have until XX/XX/year> to complete it. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Vehicle loan or lease ISSUE Managing the loan or lease Dear CFPB, I am writing to provide feedback regarding the companys response to my complaint. While I appreciate that the company replied, their response fails to adequately address or correct the issue reported. Based on the information provided, the company has not produced verifiable proof that the reported account or information is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ). The company also evidence my original complaints of them of theft of equity by identity theft on the part of the creditor in that Ally continues to violate credit reporting law 15 U.S. Code 1681c-2 ( block of information resulting from identity theft ). The information claims my original loan has a down payment and it is for a term of 72 months, however I never refinanced my Laon agreement and my original agreement never included a down payment of any amount, nor did my loan have the rate of interest listed, and price is also wrong. These discrepancies and the theft of equity is report in a XXXXXXXX XXXX XXXX police. 
Because the company could not validate the accuracy of the account or demonstrate proper investigation and documentation by providing the requested 1099 and accurate contracts, the continued reporting of this information constitutes an ongoing violation of the FCRA and causes undue harm to my credit profile. In accordance with 611 and 623 of the FCRA and 15 U.S. Code 1681c-2, unverifiable or inaccurate information must be deleted from the consumers credit report.

I therefore request that the CFPB ensure the deletion of this item from my credit report, as the company has failed to meet its burden of proof in this matter. Their response effectively confirms that they can not substantiate the accuracy of the reporting.

Thank you for your time and continued assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$180.00}

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 explanation
Consumer complaint received 2025-11-09 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX Data Breach ( Case No. XXXX ) I am a data breach victim and I have all legal docs and proof and Jefferson Capital Systems LLC has improperly inserted a frivolous collection account iao {$11000.00}, onto my credit report without providing any prior notice or proof of sale or assignment. I never received a legally required notice of debt transfer or validation before these tradelines appeared. Their actions constitute deceptive and unfair practices, as the accounts are unsupported by documentation and misrepresent the existence of a valid obligation. Jefferson Capital Systems LLC has engaged in harassing communications despite my disputes, causing undue XXXX XXXX  and harm. I request immediate removal of these accounts, full validation of any alleged debt, and assurance that no further harassment or reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/2025 at approximately XXXX I traded in my car and the XXXX dollar amount that was left on the car to XXXX XXXX dealership. 

On XX/XX/2025 I got a call from Bridgecrest the bank that gave me the loan, insisting that i pay the loan off. I explained what happened to bridgecrest, I told them the car is now owned by XXXX XXXX dealership. I told them the date I signed the car and the remaining balance to XXXX dealership. The manager at bridgecrest told all customer service representatives that they needed to have patience so that the dealership could contact them. 


On XX/XX/2025 at approximately XXXX ; XXXX XXXX  I checked my credit report and it was lowered by XXXX points. I feel this is not accurate because I signed official documentation transferring the car and any existing balance over to XXXX XXXX dealership. 


Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: KS

Complaint narrative:
I am disputing an alleged credit card debt ( account ending in * XXXX ) originally issued by XXXX XXXX XXXX XXXX and now owned by XXXX XXXX XXXX XXXX. The charges on this account were made without my authorization or knowledge while I was XXXX. My credit card information was stolen and used fraudulently, possibly by a former roommate. 

I submitted the following documentation to XXXX XXXX XXXX XXXX, which refused to investigate the fraud : Police report dated XX/XX/XXXX FTC Identity Theft Affidavit dated XX/XX/XXXX Proof of XXXX and a list of disputed charges ( available upon request ) Despite this, XXXX XXXX declined to investigate and transferred or sold the account to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I submitted a formal debt validation request to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Neither company responded to the request as required under the Fair Debt Collection Practices Act ( FDCPA XXXX ). Instead, they reported the alleged debt to credit reporting agencies, violating both the FDCPA and the Fair Credit Reporting Act ( FCRA XXXX ( a ) ). 

The continued collection attempts and credit reporting are causing ongoing financial harm, credit denials, and emotional distress. 

Requested Resolution : Immediate cessation of all collection activity Removal of the account from all credit reports, block XXXX and XXXX XXXX from reporting in the future. 
Written confirmation that the account has been closed and will not be pursued further XXXX review of XXXX XXXX XXXX XXXX refusal to investigate a documented credit card fraud report I reserve all rights to pursue further legal and regulatory action due to these violations.

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 2025-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have two accounts with Citibank, a checking account and savings account. On XX/XX/XXXX, I signed into my banking app to see that my accounts are both blocked. I called customer service and was transferred to the fraud department. The fraud department said that a specialist is reviewing the account, they will escalate it, and I will hear something in 24-48 hours. I said that I want to know the reason for the block and that I have had no communcation regarding the matter. 

I called again on XX/XX/XXXX, and was told the same information and was told to call again the next day. 

I called again on XX/XX/XXXX, after 48 hours from when I first talked to them, and was told there is no update. I asked to speak to a supervisor, whose name is XXXX. XXXX told me that it is a security block but there is no update, and that she will escalate it, and to keep my phone lines open. She would not give me any more information. 

I contacted the Executive Response Unit and have not heard back from them either.

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