vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX I received a debt collector under Kimball , Tirey & ST John LLP trying to collect money for XXXX XXXX XXXX, XXXX which I never lived or applied since that is located in XXXX XXXX, California area and I am from XXXX XXXX, California. I noticed the collections added to my credit report on XX/XX/XXXX. I discarded the letter thinking it was fraud and the dates they stated I owe was back in XX/XX/XXXX. Then on XX/XX/XXXX I received a court paper to a processed that they just claimed that I was guilty as a no show and was not given a chance to fight the case. Now I realized my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I have filed FTC Identity Theft Report Number : XXXX and police report XXXX because the accounts listed on my credit report do not belong to me. I have never entered into any agreement with these companies, nor have I signed any contracts or agreed to pay these debts. I discovered these accounts while preparing to buy a house, and they have negatively impacted my credit report. 

I have already begun contacting each collection agency and creditor to demand proof and proper validation of these debts, which I believe are fraudulent. Despite my efforts, I continue to receive calls and notices for debts that are not mine. I am pursuing this police report to formally document the identity theft and to support my efforts to have these accounts removed. 

If these companies fail to remove these false accounts, I am prepared to take further legal action to protect my rights. I have contacted the three credit bureaus about these accounts, but they advised me to send dispute letters instead. Over the past year, I even hired XXXX XXXX XXXX and XXXX XXXX XXXX to help, but nothing has been resolved. Every time the credit bureaus contact these collection agencies, they just mark the accounts as verified even though I have never agreed to any of these debts. It feels like a never-ending loop. 

I am frustrated that the credit bureaus are not properly investigating. This is why I decided to file a police report and an FTC identity theft claim. I have now sent physical dispute letters directly to the collection agencies and all three credit bureaus. If they do not remove these false accounts within 30 days, I will take further action as advised by the FTC. My identity has been compromised, and I want these fraudulent debts off my record. 

I am not sure what else was used with my name to get services, but will do everything I can to dispute, removed and file lawsuit in order to clear my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This was for Wells Fargo for a check cashed from XXXX  that was a verified check and approved in person. 

This letter serves as formal written notice and demand for immediate payment regarding the XXXX XXXX XXXX {$25000.00} check you issued in XX/XX/year>XXXX XXXX XXXX drawn on XXXX, which I deposited into my Wells Fargo account. Wells Fargo initially credited the funds, but XXXX subsequently returned the check as invalid. As a result, my account was debited and made negative, causing substantial financial harm. 

Please be advised that Wells Fargo has confirmed the funds were never released by XXXX. Accordingly, XXXX XXXX  you remain liable for the full \ {$25000.00} originally owed. XXXX XXXX  You are hereby demanded to immediately reissue payment in the amount of \ {$25000.00} via cashiers check, wire transfer, or ACH direct deposit to the following account XXXX XXXX XXXX  Wells Fargo Bank XXXX XXXX Routing Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX If payment is not received within * * ten ( 10 ) business days * * of the date of this notice, I will pursue all available remedies, including but not limited to filing a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * *, state regulators, and initiating * * legal action * * to recover the funds, costs, and any damages sustained as a result of this matter.

This letter is written in good faith in an effort to resolve this matter amicably. However, please consider this your final opportunity to correct the issue without escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2025-08-26 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: PA

Complaint narrative:
I am submitting this complaint because Equifax is reporting multiple inaccurate and unverifiable accounts on my credit file, which is severely damaging my creditworthiness and violating the Fair Credit Reporting Act. The first account being disputed is XXXX  XXXX with a high balance of {$680.00} and an opening date of XX/XX/XXXX, which is being reported with late payments that I do not recognize and for which no documentation has been provided. Reporting unverifiable late payments violates FCRA 602 ( A ) and 607 ( B ) because Equifax is required to maintain maximum possible accuracy, and it further violates 611 ( a ) because disputed items must be deleted if they can not be fully verified. The second account is XXXX XXXX with a high balance of {$770.00} and an opening date of XX/XX/XXXX, which is showing late payments that are inaccurate and unverifiable. Despite my right to dispute, no verification has been provided by the furnisher or the bureau, making this reporting unlawful under 611 ( a ). The third account is XXXX XXXX with a high balance of {$720.00} and an opening date of XX/XX/XXXX, which is being reported with late payments that I do not acknowledge and no documentation exists to substantiate these claims. Continuing to report such unverifiable information is a violation of 607 ( B ) and 611 ( a ) and is harming my credit profile.

These inaccurate reports are causing me financial harm, limiting my opportunities, and creating undue XXXX. Equifax is failing to comply with FCRA requirements that demand only accurate, complete, and verifiable information be reported. Under 602 ( A ), consumer reporting agencies must maintain fairness and reliability in credit reporting. By failing to delete or correct these unverifiable accounts, Equifax is acting in willful noncompliance under FCRA 616 and 617, which entitles me to relief and damages. I respectfully request that the Consumer Financial Protection Bureau intervene to enforce the deletion of these accounts XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXXXXXX from my credit report, and require Equifax to provide a corrected and verified credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-26 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
What happened I entered into a written settlement agreement with Capital One Auto Finance in XX/XX/XXXX regarding my auto loan account ending in XXXX. 

Under the terms of the agreement, Capital One offered to settle my account for {$1600.00} as a full and final settlement on my outstanding balance of approximately {$11000.00}, contingent upon timely payment. 

I sent payment by check in XX/XX/XXXX. The funds were provided by my family. The check was mailed to the address specified by Capital One on the letter received. 

Months later, I discovered that the settlement payment was never processed, even though I acted in good faith and relied on the agreement. Instead, Capital One is now claiming the original balance of {$11000.00} remains due and is threatening repossession of my XXXX XXXX XXXX, which has a current market value of only approximately {$2500.00}. 

Why this is a problem Failure to honor settlement agreement : I accepted Capital Ones offer in writing, sent the agreed amount, and relied on their promise. Their refusal to honor the settlement is unfair and deceptive. 

Credit reporting impact : I was told the account would be updated as Paid in Full for Less than Full Balance. Capital One has not updated this, and now my credit is at risk of severe damage. 

Unfair collection practices : Capital One is attempting to collect the full balance despite offering and agreeing to a reduced settlement, which violates fair debt collection and servicing standards. 

Repossession threat : Capital One is using repossession as leverage despite my good faith attempt to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation ; however, this item was still verified as accurate. I am questioning your investigation and whether you even conducted a reasonable one. 

XXXX XXXX- Account number- XXXXXXXX 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 2025-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery is attempting to a collect a debt from me that was done by my XXXX XXXX. I have not signed anything or authorized anything. I have disputed this numerous times and the debt of {$930.00} still reports to my credit and they are still attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

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 2025-08-26 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: PA

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 non-monetary relief
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
Someone applied for credit cards and auto loan with my information and now I have XXXX inquiries on my equifax report that equifax refusing to take off. XXXX XXXX  XXXX inquiries XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Date : ____________________ To : [ Creditor or Collection Agency Name ] [ Creditor/Agency Address ] [ City, State, ZIP Code ] Subject : Cease and Desist Reporting of Negative Account Information Re : Account with [ Creditor/Agency Name ] Account Number : ____________________ Dear Sir or Madam, I am formally requesting that you cease and desist all collection activities and stop reporting inaccurate or unverifiable negative information regarding the above-referenced account to XXXX XXXX XXXX, or any other credit reporting agency.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unverifiable information and to request that you immediately stop further damaging my credit profile.

The information you are reporting is disputed and is causing harm to my credit standing. You are hereby notified t

o : 1. Cease all communication with me, except as permitted by law. 2. Cease reporting or remove the disputed account from any and all consumer reporting agencies until such time as you can provide complete validation of the alleged debt. 3. Provide written confirmation within 30 day
s of your compliance with this request.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also consider pursuing legal remedies for continued violations. 
This letter serves as my official notice of dispute and demand for immediate compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Received an email on XX/XX/year> that my bank account had been restricted due to unusual activity. In essence restricting {$1000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Today XXXX XX/XX/XXXX I received three harassing phone calls for previously deleted repo car from my possession, Santander 's representative supposedly legal complained and threatened to have my wages garnished for an item they deleted off of my credit report years ago. I still have email correspondence from XXXX XXXX and XXXX XXXX who responded to this organization as to their illegal actions which resulted in them deleting this completely off of my credit report. Nevertheless at XXXX XXXX  XXXX, from phone number : XXXX, Santander 's XXXX so called legal entity called my cellphone number ( XXXX ) twice to further harass me again. At XXXX I returned the call and inquired who exactly was being so adamant in contacting me without from the same number without leaving a message. Once he disclosed that his client was Santander I hung up the phone. Immediately, he called back again and said, " see you in court XXXX XXXX '', and subsequently he hung up on me from a different number : XXXX. Santander previously acknowledged their actions were not in accordance with the law and they subsequently deleted their entries from off my report. The emails I have are from 2018 so this dates back to years ago.

Company response to consumer: Closed with explanation