vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Experian Experian Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Request for Investigation and Removal of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this formal written request to dispute and demand the investigation of inaccurate, incomplete, or unverified information currently appearing on my credit report. This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 602 ( A ) Requires maximum possible accuracy of consumer information.

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed information within 30 days.

FCRA 609 ( 15 U.S.C. 1681g ) Grants consumers the right to obtain all information in their file and the sources of that information.

FCRA 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing a consumer report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires furnishers to provide only accurate information and to correct or delete data found to be inaccurate. 
The following accounts are disputed and require immediate investigation. If the information can not be fully verified through documented evidence from the data furnisher, the FCRA mandates its deletion from my credit file : Accounts to be Investigated and Removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXX/XX/XXXX Please conduct a complete investigation into each of these disputed items. If any account can not be verified with certified documentation, it must be corrected or deleted in full compliance with federal law. Enclosed is a copy of my identification for verification purposes. ( Do not send original documents. ) Please send me written confirmation of the results of your investigation within the legally required 30-day period as outlined in the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-12-02 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: TX

Complaint narrative:
I hereby issue formal notice disputing the referenced accounts. I do not recognize them nor authorize their establishment. I request review and deletion. Documentation is attached for verification.

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 2025-12-02 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items that have been inaccurately reported on my credit report. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request that these items be investigated and corrected accordingly. Below are the details of the accounts I am disputing, separated by each credit bureau. 

Inquiries : XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX FI, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX OF XXXX, Date Open : XX/XX/XXXX XXXX OF XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/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 2025-12-02 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:
The data presented provides an inaccurate depiction of my financial history. Please conduct an examination and update the record accordingly.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They did not follow the the proper 5 step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly they violated my rights and abused my privileges. XXXX XXXX Account # XXXX, amount shown {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
lvnv funding LLC is a collection company who is hurting my credit, conctating via mail asking to pay them and now they taking legal action against me to pay an amount that i do not owe to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding a debt that is being attributed to my account with Navy Federal Credit Union ( NAVY FCU ), under the account number XXXX XXXX XXXX. I recently became aware of this debt, and after reviewing my records, I do not recall incurring this debt nor have I received any clear documentation explaining the nature of the charges or how the debt originated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
SUBJECT : Capital One created multiple unauthorized accounts under my profile and removed funds without documentation. 

COMPLAINT STATEMENT : I opened one personal savings account with Capital One in 2020. During the XXXX tax season, multiple additional savings accounts ( over 50 ) appeared under my online profile even though I only opened one account and never authorized or requested any others. 

During tax season, deposits from my tax-preparation work were sent into these accounts. I could see the balances and interest posting in my app. I was repeatedly told by Capital One that I could make deposits but could not withdraw the funds due to a restriction or review. 

Throughout XXXX, the money remained visible and interest continued posting. When I checked the accounts again in XXXX, all balances had dropped to zero even though no payment was ever made to me. I never received closing documents, refund checks, escheatment notices, or any official letters explaining where the balances went. 

Capital One representatives gave me inconsistent explanations. One agent claimed the money was returned to the IRS, but no IRS return codes, dates, trace numbers, or proof were provided. Another agent told me to have my clients fill out an IRS form to reclaim funds, which does not apply to tax preparer service fees. I was also given a short letter-only code that is not an IRS or Treasury return code. 

I requested all account statements, closure records, freeze notes, and deposit/withdrawal history for every account under my profile. A ticket was created, but I was told they might not provide the documents because the accounts are closed and time has passed. 

I am requesting that Capital One be required to provide : 1. All account statements ( XXXX ) 2. All account numbers created under my profile 3. All closure records 4. All internal notes or restriction/freeze codes 5. Full deposit and withdrawal history 6. Documentation of any funds returned to the IRS or sender 7. Dates and methods of any balance removals I am simply trying to understand what happened to the funds deposited into accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
I am disputing an inaccurate collection account reported by Rent Recovery Solutions regarding my former lease at XXXX XXXX XXXX # XXXX, XXXX, OH XXXX. 

The collector claims I owe {$970.00}, but this amount is incorrectly calculated and not supported by my lease. 

Issues : The landlord added a XX/XX/2021 XXXX charge ( {$550.00} ) for a month I lived in and paid for. 

My lease contains a Concession Addendum showing a total concession of {$1000.00}, yet the amount reported to collections does not reflect this and is inconsistent with any valid calculation. 

The landlord charged 16 days of prorated XXXX rent instead of the correct 15 days. 

The move-out ledger is mathematically incorrect and includes misapplied charges. 

I never received the required 30-day dispute notice because the notice was mailed to an outdated address. 

Rent Recovery Solutions reported this debt without validating it. 

Requested Action : Require Rent Recovery Solutions to validate the debt with proper documentation. 

If they can not validate or the amount remains inconsistent, require deletion from my credit report. 

Require XXXX XXXX to correct their records and withdraw the erroneous balance.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$48000.00} XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX CARD - XX/XX/XXXX - {$9200.00} XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXX/XX/XXXX - {$290.00} XXXX - XX/XX/XXXX - {$1700.00} XXXX CARD - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXXXX/XX/XXXX - {$60000.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARDS XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$48000.00} XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX CARD - XX/XX/XXXX - {$9200.00} XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXX/XX/XXXX - {$290.00} XXXX - XX/XX/XXXX - {$1700.00} XXXX CARD - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXXXX/XX/XXXX - {$60000.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARDS XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/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 2025-12-02 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: IN

Complaint narrative:
TRANSUNION LEAKED MY PERSONAL INFORMATION TO ONE OF THEIR THIRD PARTY VENDORS AND SAID IT WAS NO BIG DEAL. I HAVE BEEN CAUSED HARM DAMAGE AND LOSS DAILY. MY PHONE RINGS OFF THE HOOK, MY EMAIL IS NOW FULL OF SPAM AND I HAVE HAD TO REPLACE MULTIPLE CARDS BECAUSE MY PERSONAL INFORMATION WAS LEAKED. MY SOCIAL SECURITY NUMBER AND MY BIRTH DAY TO BE EXACT. I FILED A COMPLAINT AGAINST TRANSUNION LAST MONTH AND THEY RESPONDED WITH THEY COULDN'T FIND MY DISPUTED ITEM ON MY CREDIT REPORT SO THEY WERE CLOSING THE COMPLAINT! THAT HAS NOTHING TO DO WITH WHY I AM REACHING OUT TO THE CFPB. I AM FILING COMPLAINTS BECAUSE THEY VIOLATED THEIR FIDUCIARY DUTIES AND SELL THE PEOPLES PERSONAL INFORMATION CAUSING HARM. ANSWER FOR THE DATA BREACH! CFPB DO YOUR JOB!

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I formally requested that SoFi provide written clarification and documentation regarding the restriction and potential closure of my account. Specifically, I asked them to identify the type of review being conducted ( whether it is an XXXX compliance review , a Regulation E investigation for suspected unauthorized transactions, or an internal terms-of-use review ), provide the required written notice under Regulation E if the restriction was based on unusual or unauthorized transaction activity, disclose the official timeline for completing the review and returning my funds, and confirm whether the maximum 60-day investigation period is being applied. I also requested a written list of any documents needed from me to expedite the review, such as identity verification or proof of funds, and confirmation that once any funds are returned, they will not be subject to further holds or restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I am writing to dispute several items on my credit report that are inaccurate and incomplete. Below is a list of the accounts in dispute, separated by bureau, that require immediate attention : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$4500.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$360.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$720.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$9700.00} XXXX, XXXX, XX/XX/XXXX, {$340.00} XXXX XXXX XXXX XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am filing this complaint because Experian is reporting several accounts and inquiries that appear inaccurate, unverifiable, or inconsistent with information reported by other credit bureaus. Despite prior attempts to have these corrected, Experian has failed to provide proper verification or documentation. 

Below are the items in dispute : Charged-Off Accounts XXXX XXXX XXXX XXXX Reported with {$0.00} balance but still listed as charged off. Please verify accuracy and update status to Closed {$0.00} balance Paid/Settled. 

XXXX XXXX Open date listed as XX/XX/XXXX, which is a future date and not possible. This indicates a reporting error. 

XXXX XXXX XXXX Inconsistent reporting across bureaus ; please verify charge-off details and dates. 

XXXX XXXX Listed with {$0.00} balance but charged off ; inconsistent and potentially outdated. 

XXXX XXXX May be a duplicate of the above Celtic account; please confirm and remove duplicate entry. 

XXXX XXXX Listed as charged off with {$0.00} balance ; should be updated to reflect closure in good standing. 

Inquiries XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Date reflects a future inquiry, which is not possible. 

XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Several inquiries appear unauthorized or inaccurately dated. I request verification of permissible purpose for each inquiry. 

Late Payment XXXX XXXX XXXX Requesting verification of the reported late payment. Please provide proof of notice and payment history documentation. 

Please conduct a thorough reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ) 611 and remove or correct any unverifiable or inaccurate items.

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