vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Received 2 letters today XXXX stating I owe debts- they are out of statute of limitation for XXXX. XXXX XXXX claims they have affidavit that from server that I was summoned. XXXX XXXX, Malen & Associates PC is falsely stating that I was served a summons. They stated they have affidavit that I was served. Both Debts were disputed with the CreditoXXXX XXXX XXXX XXXX and removed from my reports. The debts are beyond the statute of limitations in XXXX XXXX. Agency is claiming it represents XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful to use false, deceptive, or misleading representations in connection with the collection of any debt. Misrepresenting that a consumer has been served legal documents when they have not is a violation of this law. I am begging you to stand up for customers who are being lied on. If they get away with this they will continue to lie and have people attest to delivering summons to get money. Who is going to protect us? Me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received 2 letters today XXXX stating I owe debts- they are out of statute of limitation for NYS. Collections agency claims they have affidavit that from server that I was summoned. Collections agency, XXXX XXXX XXXX XXXX is falsely stating that I was served a summons. They stated they have affidavit that I was served. Both Debts were disputed with the Creditor capital one bank and removed from my reports. The debts are beyond the statute of limitations in NYS. .. Agency is claiming it represents Capital One. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful to use false, deceptive, or misleading representations in connection with the collection of any debt. Misrepresenting that a consumer has been served legal documents when they have not is a violation of this law. I am begging you to stand up for customers who are being lied on. If they get away with this they will continue to lie and have people attest to delivering summons to get money. Who is going to protect us? Me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I accepted Bank of Americas offer for a free replacement of my old XXXX XXXX XXXX credit card ending in XXXX to an XXXX  XXXX XXXX card with the same ending number. The banks confirmation email stated the new card would arrive in 12 weeks ( or up to 34 weeks from the acceptance date ). 

According to Bank of Americas card status tracker, the timeline was as follows : XX/XX/XXXX Card created. 

XX/XX/XXXX Card shipped via XXXX to my correct address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 

XX/XX/XXXX Status showed : We didn't receive a delivery status. Contact us if you haven't received your card yet. 

I never received this replacement card despite checking my mailbox almost daily. 

On XX/XX/XXXX, at approximately XXXX XXXX., I received a Bank of America app alert for a {$1900.00} approved transaction at XXXX, followed minutes later by another {$620.00} transaction that was declined. I was at home in my apartment at the time and did not make any purchases at XXXX. My old card ending XXXX was physically in my possession, and only I know my PIN. The most likely explanation is that the replacement card was stolen or intercepted in the mail and used fraudulently. 

At XXXX XXXX. that same day, I immediately called Bank of Americas fraud department, reported the fraudulent activity, and filed a fraud claim. Bank of America issued a temporary credit for {$1900.00}, deactivated the card ending XXXX, and sent me a new card ending in XXXX. 

On XX/XX/XXXX, I discovered the temporary credit had been reversed. When I called, the bank stated the fraud claim was denied because the transaction was a chip transaction. This is unreasonable because I still had my original card in hand, did not authorize the purchase, and never received the replacement card. The banks own tracking system indicated no delivery confirmation for the card shipment. 

I insisted that the claim be reopened. Bank of America agreed but said the investigation could take up to 90 days and they would not reissue a temporary credit during the investigation. I find this unfair and unreasonable, as I should not be liable for charges on a card I never received. 

I am requesting that : The investigation be expedited. 

The disputed amount be credited back to my account during the investigation. 

Bank of America review XXXX delivery records and obtain store video or signature records from XXXX for the fraudulent transaction. 

I am willing to fully cooperate, including filing a police report in XXXX XXXX XXXX to assist in obtaining surveillance footage. This is clearly a case of card theft/interception before delivery, and I should not be held responsible for these charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
This is a formal dispute regarding the late payment reported on the above-referenced XXXX XXXX account. Your prior response claimed the account was verified and updated, yet you provided no supporting documentation demonstrating compliance with federal law or Metro 2 reporting standards.

It appears you relied on prior results rather than conducting the required reasonable reinvestigation under 15 U.S. Code 1681i ( a ). 1. Violation of 15 U.S. Code 1666b ( a ) A creditor can not treat a payment as late unless they have adopted reasonable procedures to ensure each periodic statementincluding the disclosures required by 1637 ( b ) was mailed or delivered at least 21 days before the due date. I hereby request : Proof that the periodic statement for the disputed month was mailed or delivered at least 21 days before the due date. All monthly statements showing the past due amount, alleged delinquency date, and payment due date for the reported late payment. 2. Violation of 15 U.S. Code 1681s-2 Reporting unverifiable or inaccurate information violates the FCRA. Stating that the account is verified is meaningless unless backed by verifiable documentation that proves compliance with the law.

3. Metro 2 Compliance Failures Metro 2 guidelines require uniform reporting across all credit
bureaus. XXXX  reports this account as Paid on Time, while TransUnion lists it with a late payment. This discrepancy shows non-compliance with both Metro 2 and the FCRAs accuracy requirements.

4. Failure to Provide Investigation Details Per 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), you must provide a description of the investigation procedure, including the furnishers name, address, and telephone number, and details of any documents provided. You have failed to supply this information.

If you can not produce the above-requested documents within 10 calendar days of receipt of this letter, you must : 1. Update the account to reflect Paid on Time for the disputed period.

2. Remove any negative payment history related to this dispute.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to Credit Systems International , Inc . Attached to this complaint is my written validation request, which clearly lists the documents that Credit Systems International , Inc must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 
I am submitting this request through the CFPB to ensure that Credit Systems International , Inc receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-14 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: TX

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX  XXXX XXXX with lates reported as 30 days late in XXXXXXXX XXXX  This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues toreport this unverifiable late payment. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct this reporting error. This false late payment entry has caused significant damage to my creditworthiness, emotional distress, and financial harm, as it has negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to Pro Collect Inc. Attached to this complaint is my written validation request, which clearly lists the documents that Pro Collect Inc must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 
I am submitting this request through the CFPB to ensure that Pro Collect Inc receives my letter and is held accountable for responding properly and lawfully.

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 2025-08-14 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: WA

Complaint narrative:
I have found fraudulent accounts on my credit report, XXXX with the account number XXXX opened on XXXX XXXX XXXX, XXXX XXXX XXXX with the account number XXXX opened on XXXX XXXX XXXX, XXXX XXXX XXXX with accouht number XXXX opened on 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 2025-08-14 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: TX

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-08-14 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: NJ

Complaint narrative:
This is a legitimate complaint that requires immediate attention. My credit report contains inaccurate information that fails to meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing serious, ongoing harm. I insist that they be fully investigated and either corrected or removed without delay. Resolution is not optionalit is critical.

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 2025-08-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
Transunion stated I had a split profile. They have not been correctly reporting my credit for over a year and a half. They finally merge my correct information and dropped my score by XXXX points become it seems as if I just received these new loans. I bought my car in XX/XX/XXXX transunion just reported my car on my credit report on XX/XX/XXXX. I did not receive any points for my utilization with all 3 cards together nor my on-time payments with my car. My score dropped XXXX points because it now seems I acquired a lot of debt ( my car ) at one time. Im requesting my XXXX points back because of their reporting error.

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 2025-08-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-14 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: IL

Complaint narrative:
XXXX XXXX XXXX did not due an investigation of my report. My account shows that it has been charged off each month from XXXX of XXXX  until XXXX of XXXX this report states that it was charged off and still reporting late. This must be removed for all 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 non-monetary relief
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
XXXX XXXX XXXX did not due an investigation of my report. My account shows that it has been charged off each month from XXXX of XXXX  until XXXX of XXXX this report states that it was charged off and still reporting late. This must be removed for all inaccuracies.

Company response to consumer: Closed with non-monetary relief