vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/XXXX Subject : Cease and Desist Demand Regarding Inaccurate Credit Reporting To Whom It May Concern, This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681, that you immediately cease and desist from reporting, publishing, or otherwise communicating any inaccurate, incomplete, or unverifiable information concerning my credit file. 

I have identified the following accounts and/or entries as inaccurate, unverifiable, or otherwise in violation of my rights under federal law : - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX You are hereby notified that if you continue to report or reinsert such disputed information without providing proof of its accuracy and full compliance with the FCRA, you will be in violation of federal law and subject to legal action. 

Specifically, I demand that you : 1. Cease reporting and/or remove all inaccurate, unverifiable, and incomplete information from my credit file.

2. Provide me with written confirmation of the actions taken within 30 days of receipt of this letter.

3. Refrain from further dissemination of disputed information to third parties unless you have independently verified its accuracy as required by law. 

Failure to comply with this demand will leave me no choice but to pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating private legal action for damages. 

This letter is written in good faith in an effort to resolve these matters without the need for litigation. 
I expect your immediate cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c Account No. : XXXX To Whom It May Concern : This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), demanding that Midland Credit Management , Inc. immediately cease and desist all communication with me regarding the above-referenced alleged account. 

I am exercising my right to request, in writing, that you stop contacting me about this matter. From this date forward, you are prohibited by law from contacting me directly, except for the limited circumstances permitted under 1692c ( c ) : 1. To advise me that your further efforts are being terminated ; 2. To notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or 3. To notify me that you intend to invoke a specified remedy. 

Please note that any further contact by telephone, mail, email, or any other means outside the provisions allowed by law will be considered a violation of the FDCPA and my rights. I will document and report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

This letter is not to be construed as an acknowledgment of the debt, nor a refusal to pay. It is simply a request that you respect my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These hard Inquiries do not belong to me, have nopt been authorized by me, and should be removed. These others too. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-22 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-22 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: TN

Complaint narrative:
I'am filing a complaint I did not authorize these inquiries, and no permissible purpose existed for them. Under 15 U.S.C. 1681b ( a ) ( 3 ) [ FCRA 604 ( a ) ( 3 ) ], consumer reports may only be obtained with the consumers authorization or under a legally permissible purpose. These inquiries are invalid and must be removed from my credit file.Under 15 U.S.C. 1681i [ FCRA 611 ], I have the right to dispute any information on my credit report that is incomplete or inaccurate, and the bureau is required to reinvestigate and correct it. Additionally, under 15 U.S.C. 1681g ( a ) ( 1 ) [ FCRA 609 ( a ) ( 1 ) ], I am entitled to obtain all information in my file, which will help confirm that this name does not belong to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: VW Credit
State: CA

Complaint narrative:
In XX/XX/XXXX, my husband purchased a vehicle from Volkswagen of XXXX XXXX through their representative, XXXX XXXX. At that time, due to being new in the country, he was given a loan at 20 % interest. 

In XX/XX/XXXX, XXXX XXXX contacted us again to trade in our car for another vehicle. Initially, he stated there would be negative equity, which we refused. He later told us he had a better deal : no negative equity, a loan at XXXX  % interest for XXXX months, and then the rate would drop to XXXX  %. He also promised each of us a {$5000.00} credit card. 

We agreed based on those terms. However, we never received the credit cards, the interest rate never dropped to XXXX  %, and we later discovered negative equity was included in the new loan despite his assurances. In addition, he said the vehicle included mechanical and hazard insurance, but we found only XXXX insurance was provided. 

After the trade-in, we also discovered that our mechanical insurance was used without authorization to repair the traded vehicle. 

Recently, we learned from Volkswagen of XXXX XXXX that the previous representative had been involved in fraudulent practices. I am a XXXXXXXX XXXX with limited XXXX, and my husband is still XXXX  to XXXX XXXX  which left us vulnerable to this misrepresentation. The total amount of interest is {$8000.00}, and the negative value that had been hidden inside the loan is {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was previously owned and had beneficial ownership to this house mind u that XXXX XXXX is XXXX XXXX and this person took my children I would never purchase from her upon finding in consumer data like XXXX XXXX found that at the time of closing she knowingly knew who me and my spouse were and still sold the house to us by the way thats her ex husband. Upon finding out she has benifical ownership interest I found many documents and closing disclosures to my home to my surprise just recently a change of assignment and a pay off to the new beificiary which took all the money out of our account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the restriction placed on my saving account with Capital One. My account has been restricted without a clear explanation or any action taken to resolve the situation, which has caused significant disruption to my ability to access my own funds and pay essential bills. 

My saving account with XXXX USD was restricted on XX/XX/year>. I have contacted Capital One regarding this issue, but despite my efforts, I have not received a satisfactory explanation or any resolution. I have requested clarification on the nature of the restriction and what steps I need to take to lift it, but my inquiries have not been addressed in a timely or adequate manner. They can transder my money to my other bank account then end the relationship with me, but they didn't do it. They just simply restricted my account then do nothing. As a result, I am unable to access my funds, which is affecting my ability to pay my bills and meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$680.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to firmly dispute an account that has been reported under my credit file. I have never opened, authorized, or maintained this account. Its inclusion is inaccurate and constitutes a serious error that is harming my financial integrity.

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 2025-08-22 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-22 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: LA

Complaint narrative:
1. I have not authorized the credit reports release in writing to any of the following companies/organizations listed 2. Im in full understanding that my consumer rights have been violated due to the rules outlined in .. 15 U.S.C . 1681b, / 15 U.S.C.1681b , 3. All financing was done by third party lender of which account has since been paid in full and close. The dealership had no right to share my information with the companies/ organizations listed. 





XXXX XXXX XXXX Inquiry : XX/XX/year> + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/year> + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Automobile Dealers, New ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to formally dispute a late payment inaccurately reported on my Bank of America credit card account ending in XXXX, listed on my credit report under account number XXXXXXXX XXXX XXXX XXXX XXXX 

I have been a loyal Bank of America customer since XX/XX/XXXX. This account was the foundation of my credit journey, and Ive always held this relationship with the utmost responsibility. Throughout the entire time, I have made payments on time, and my account has consistently had autopay enabled to ensure punctuality. However, I was shocked to discover that a 30-day late payment was reported for XX/XX/XXXX something that I firmly believe is a mistake. 

This inaccurate information is not only unfair but is also causing real harm. I am currently working toward buying my first home a life goal Ive prepared for over years. This incorrect late mark is now threatening my mortgage eligibility by distorting my credit profile. As a financially responsible and honest customer, I find this both disheartening and unjust. 

Moreover, this is not the first time something like this has happened. In the past, a similar error occurred where a late payment was falsely reported but later corrected. This suggests a potential systemic issue in how my account data is being transmitted or interpreted. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. This late payment entry fails that standard. I respectfully request a full investigation and immediate correction of this error specifically, the removal of the XX/XX/XXXX late payment. 

I trust Bank of America will resolve this matter swiftly and continue to support its reputation as a fair and consumer-focused institution. Thank you for your time and assistance.

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 2025-08-22 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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