vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX BALANCE {$400.00}, XXXX XXXX XXXX BALANCE {$1100.00}

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 non-monetary relief
Consumer complaint received 2025-07-08 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 non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By the provisions of 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute incomplete or inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. Please provide me with proof of these items, the method of verification, description of procedures and specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : XXXX XXXX Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX  and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation.

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-08 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-08 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 writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX  days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing a complaint regarding Capital One Auto Finance and the repossession of my vehicle ( a XXXX XXXX ). I believe this repossession violated my rights under UCC Article 9, which governs secured transactions and repossessions. 

Capital One repossessed my vehicle without sending the required pre-sale Notice of Disposition under UCC 9-611. I also did not receive any post-sale accounting ( deficiency notice ) explaining how the vehicle was sold, for how much, how the funds were applied, or how the alleged deficiency balance was calculated which is required under UCC 9-616.

This process lacked transparency and raises serious questions about whether the vehicle was sold in a commercially reasonable manner, as required by law. Capital Ones failure to properly notify me before or after the sale, and to justify the balance now allegedly owed, constitutes a clear violation of UCC rules. 

I am requesting that the CFPB investigate this matter, require Capital One to provide full accounting documentation, and determine whether the repossession and sale were conducted in compliance with state and federal law. I also believe this issue may have contributed to an inaccurate and harmful charge-off/negative tradeline on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am writing to formally request information regarding a charge-off or collection account that appears on my credit report. Under Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I have the right to request : All information you have in your files related to this account ( including the full name and address of the original creditor ). 

A detailed explanation of how this debt was verified, and Documentation used to verify the accuracy and legitimacy of this charge-off or collection, especially any records that bear my signature or legally confirm my obligation to the alleged debt. 



I am not disputing for frivolous reasonsI am simply requesting you provide evidence of how this debt was verified before it was reported to the credit bureaus. I want to know : Who verified the debt? 

When and how was it verified? 

What documentation supports this verification? 



Under the FCRA, if you can not provide this information, then you are required to remove the account from my credit report. If this information was supplied by a third-party furnisher ( e.g., a creditor or collection agency ), please provide their name, address, and phone number as required under FCRA 609 ( a ) ( 2 ).

Until this verification is completed and the information is validated with proper documentation, I request that you cease reporting this charge-off or collection to any credit reporting agency, in accordance with your obligations under federal law. 



Please respond to this request within 30 days of receipt, as required by federal regulations. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX To : XXXX XXXX, Attn : Dispute Department Subject : Round XXXX Dispute Account Not Mine | Formal Request for Reinsertion Verification Account XXXX XXXX XXXXXXXX To Whom It May Concern, This is my second formal notice disputing the above-referenced account, which I do not recognize and firmly believe does not belong to me. Despite my original dispute, you claimed the account was verified without providing any supporting documentation or clear evidence linking me to this alleged debt.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to a reinvestigation and proper verification of any disputed account. Simply checking your records and stating the information is accurate is not verification. I am demanding the following : 1. A copy of the original signed contract or agreement bearing my signature ; 2. Full payment history, dates, and amounts ; 3. The name and contact information of the person or department who verified this account ; 4. Proof of your legal right to collect this alleged debt.

If you can not provide valid proof of ownership, authorization, or responsibility, then this account must be deleted from any records and cease all reporting to credit bureaus. Reporting inaccurate and unverified information violates the FCRA and may subject you to legal action.

I am also requesting a full accounting of how the previous verification was conducted and what documentation was reviewed. Failure to respond properly within 15 days will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and potentially a lawsuit for willful non-compliance and damages.

This is your final opportunity to correct this issue before I escalate. 

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX for Incorrect Credit Reporting and Financial Harm l Dear CFPB, I am filing this complaint against XXXX XXXX, my current mortgage servicer, regarding serious issues involving incorrect reporting of mortgage payment failures and financial harm caused by their mishandling of my account. 

I hold a mortgage loan with XXXX XXXX, In XXXX and XXXX of XXXX, I attempted to make mortgage payments through their online portal, auto-pay, and manual payment options. My bank account ( XXXX XXXX ) had sufficient funds at the time of the scheduled payments. 

However, XXXX XXXX system rejected the payments citing insufficient funds, which is completely inaccurate. As a result, they reported my account as delinquent to the credit bureaus, significantly damaging my credit score.

At the time, I was in the final stages of securing financing for a commercial project. Due to the sudden drop in my credit score, the financing was canceled, and I am now in debt to the company I was partnering with. This has caused me severe financial losses, reputational harm, and emotional distress.

I am requesting that the CFPB investigate this matter and help enforce the following : 1. A full investigation int
o XXXX XXXX failed payment processing and false reporting. 
2. Immediate correction of the inaccurate credit reporting with all credit bureaus.

3. Compensation for the financial harm and losses I have suffered due to this error.

4. Assurance that such negligence will not occur again in the future.

I have already contacted XXXX XXXX directly and submitted evidence, including : Bank statements from XXXX XXXX showing available funds Proof of scheduled payments Documentation regarding the canceled financing agreement Please let me know if you require any additional documentation. I request urgent 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 2025-07-08 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:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXXXXXX XXXX XXXX {$5.00} XXXXXXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-08 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct 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 2025-07-08 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief