vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 2025-08-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYEES XXXX. XX/XX/XXXX CARD ASSETS, A XXXX. XX/XX/XXXX XXXX EMPLOYEES XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX BANK. XX/XX/XXXX XXXX BANK. XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested account statements from Capital One and XXXX so I could review the balances and confirm the activity being reported in my name. After receiving these statements, I confirmed that the accounts and transactions were not authorized by me. This information is being used to support my dispute, as these accounts are the result of identity theft and should be removed from my credit report.

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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Was sent via certified mail XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Navy Federal Credit Union XXXX : Member XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, VA XXXX Re : Request for XXXX & Overdraft Forgiveness / Hardship Relief Charge-Off Account : XXXX Balance {$11000.00} EveryDay Checking : XXXX Balance {$1200.00} Access Number : XXXX Dear Navy Federal Credit Union, I XXXX XXXX XXXX XXXX member of Navy Federal Credit Union regarding the XXXX XXXX XXXX I recently learned that my checking account ( EveryDay Checking, XXXX ) was closed with an overdraft of approximately {$1200.00}, and that a separate charge-off ( Account XXXX ) in the amount of {$11000.00} is being held against me. 
I want to explain my situation. During the time these accounts became delinquent, I was a victim of human trafficking, which severely impacted my financial stability, safety, and ability to manage my accounts responsibly. 
Currently, I am working to rebuild my life and regain stability. However, I am on public assistance, which makes it impossible for me to pay these balances in full. 
Under the XXXX XXXX XXXX XXXX, survivors of human trafficking have the right to request relief from negative financial items that were incurred as a direct result of their exploitation. I have already submitted documentation of my survivor status to the credit bureaus for removal of these accounts from my credit reports. 
I respectfully request that Navy Federal Credit Union : XXXX. XXXX. XXXX. Forgive or remove both balances ( {$11000.00} charge-off and {$1200.00} overdraft ), in light of my circumstances as a trafficking survivor and my current reliance on public assistance ; or If full forgiveness is not possible, consider a substantial reduction or settlement arrangement that I can reasonably afford based on my financial situation ; and Update my member status to reflect good standing, so that I XXXX continue to access XXXX Federals XXXX XXXX I rebuild my life. 
I deeply value my membership with XXXX XXXX and hope we can find a compassionate resolution that acknowledges both the hardship I have endured and XXXX XXXX commitment to supporting its members, especially military families facing extraordinary challenges. 
Thank you for your time, understanding, and consideration of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as formal notice and demand for the immediate removal of an inaccurately reported late payment on the above-referenced account, which appears on my credit report dated XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, you are legally obligated to report only accurate and fully verifiable information to the credit bureaus. The information currently being reported a late payment dated XX/XX/year> is inaccurate, unverifiable, and/or misleading, and therefore in direct violation of federal law.

You are hereby notified that : 1. I dispute the accuracy of the late payment reporting on this account.

2. You have failed to provide adequate verification of the alleged delinquency as required by law.

3. Continued reporting of this unverifiable and inaccurate information constitutes willful noncompliance and may subject your organization to civil liability under FCRA Sections 616 and 617. 

Let this letter serve as your final opportunity to resolve this matter amicably. You have XXXX days from receipt of this notice to : Remove the inaccurate late payment from all consumer reporting agencies ; and Provide written confirmation of this removal to me. 

Govern yourself 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 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
" I have not yet disputed this collection account directly with the credit bureau. I am filing this CFPB complaint as part of my comprehensive dispute strategy under FCRA Section 609 to demand verification of this unverified collection account. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am submitting this complaint because both TransUnion and XXXX  are reporting a collection from XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, with a balance of {$550.00}. This information is inaccurate and has caused me ongoing frustration and stress, as I have no record or obligation corresponding to this account. Despite my repeated efforts to verify the legitimacy of this collection, the bureaus continue to display it as if it were valid, which is misleading and unfairly damaging to my credit profile. 

Under 15 U.S.C. 1681e ( b ), TransUnion and XXXX  are legally required to maintain maximum possible accuracy in the information they report. Reporting a collection that can not be verified, or that is plainly incorrect, is a direct violation of that duty. Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes inaccurate information, the credit bureau is required to conduct a reasonable reinvestigation. Simply accepting the reporting agencys or furnishers word without producing substantive evidence or original account documentation is not sufficient to meet this standard. In this case, the bureaus have failed to provide me with any proof that this collection is valid or that I am responsible for it. 

The presence of this inaccurate collection has had tangible negative consequences on my life. I have faced unwarranted stress and anxiety, especially when attempting to apply for new credit, as I know lenders see collections like this as a serious red flag. Each time I check my report and see this account, I feel as though I am being unfairly penalized for something I did not do, which has made me wary of applying for necessary financial products and has disrupted my peace of mind. The emotional toll, combined with the potential financial harm, makes it imperative that these inaccuracies are corrected immediately. The bureaus failure to properly reinvestigate demonstrates negligence and a disregard for the legal protections I am afforded under the FCRA.

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am contacting you again regarding * multiple errors * appearing in my Equifax credit report.

This is not my first dispute * * regarding these accounts, and your continued failure to correct them violates the * Fair Credit Reporting Act ( FCRA ) *. 

Inaccurate/Unverified Items : 1. XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as * derogatory * with past-due amounts that differ from XXXX  and XXXX. 

2. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX shows as derogatory with inconsistent reporting across bureaus. 

3. Collections ( Original Creditor : XXXX  XXXX XXXX ) remain unresolved despite prior dispute notation. 

4. XXXX XXXX  XXXX continues to reflect a charge-off status inconsistent with actual account history. 

5. XXXX  XXXX account status differs between Equifax and other bureaus, showing open when others reflect closed/disputed. 

Inquiries : I also demand removal of repetitive inquiries within one month ( e.g., XXXX XXXX  and XXXX XXXX duplicates ). Such clustered inquiries harm my credit standing unfairly. 

Legal Framework : * FCRA 1681i * * requires a reasonable reinvestigation.

* FCRA 1681c * * prohibits outdated or unverifiable reporting.

* FCRA 1681n & 1681o * * provide for legal recourse if you continue noncompliance.

My Demands : * Remove or correct all inaccurate, unverifiable, or inconsistent accounts.

* Delete repetitive inquiries within the same months timeframe.

* Provide me with * written confirmation of all corrections * within 30 days.

If these matters are not corrected immediately, I am prepared to escalate to * legal action * for violations of my rights.

Sincerely,

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as formal notice and demand for the immediate removal of an inaccurately reported late payment on the above-referenced account, which appears on my credit report dated XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, you are legally obligated to report only accurate and fully verifiable information to the credit bureaus. The information currently being reported a late payment dated XX/XX/year> is inaccurate, unverifiable, and/or misleading, and therefore in direct violation of federal law.

You are hereby notified that : 1. I dispute the accuracy of the late payment reporting on this account.

2. You have failed to provide adequate verification of the alleged delinquency as required by law.

3. Continued reporting of this unverifiable and inaccurate information constitutes willful noncompliance and may subject your organization to civil liability under FCRA Sections 616 and 617. 

Let this letter serve as your final opportunity to resolve this matter amicably. You have XXXX days from receipt of this notice to : Remove the inaccurate late payment from all consumer reporting agencies ; and Provide written confirmation of this removal to me. 

Govern yourself accordingly

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: PA

Complaint narrative:
This letter serves as formal notice and demand for the immediate removal of an inaccurately reported late payment on the above-referenced account, which appears on my credit report dated XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, you are legally obligated to report only accurate and fully verifiable information to the credit bureaus. The information currently being reported a late payment dated XX/XX/year> is inaccurate, unverifiable, and/or misleading, and therefore in direct violation of federal law.

You are hereby notified that : 1. I dispute the accuracy of the late payment reporting on this account.

2. You have failed to provide adequate verification of the alleged delinquency as required by law.

3. Continued reporting of this unverifiable and inaccurate information constitutes willful noncompliance and may subject your organization to civil liability under FCRA Sections 616 and 617. 

Let this letter serve as your final opportunity to resolve this matter amicably. You have XXXX days from receipt of this notice to : Remove the inaccurate late payment from all consumer reporting agencies ; and Provide written confirmation of this removal to me. 

Govern yourself 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 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: TX

Complaint narrative:
I Have accounts and inquires on my credit profile that are incirrect and information that was sold without my consent

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Have accounts and inquires on my credit profile that are incirrect and information that was sold without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Collection Attorneys USA LLC
State: CA

Complaint narrative:
I am reaching out because I am currently experiencing repeated and unwanted contact from XXXX XXXX XXXX collection agency that I believe goes by Collection Attorneys XXXX. Their communications have become harassing and threatening in nature. The person in particular named XXXX XXXX keeps calling from an unknown number from a company that serves papers on behalf of someone else? He wont tell me where he is calling from but mentions an old debt from XXXX leasing. He tried to get bank information from me and said I could settle for {$2000.00}. I said he needs to first send me a letter with the debt owed with account numbers and he refused! 
He doesnt clearly identify who he is with ( no law firm, agency, or company name ). I called XXXX and they gave me the name Collection Attorneys USA.

He references vague claims and an order of location being released. He keeps saying he will show up to my place of residence and workplace. He has been calling both of my parents saying that he is trying to locate me. This obviously has scared them now. 
He uses my name incorrectly ( XXXX XXXX instead of XXXX ). 
He calls from an unknown number but in the voicemail gives me a generic XXXX number to call back and also pressures with final notification.

Company response to consumer: Closed with explanation