vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
I disputed this account on several occasions with the bureaus, disputing the ownership and accuracy of the information posted to my credit reports 1. * * Flow Agreement * * 2. * * Original Ownership Documentation * *, including the name, address, phone number, and original account number associated with the debt.

3. * * Transfer of Assignment * * documentation showing the chain of custody for the debt.

4. * * Original Contract or Credit Agreement * * bearing my handwritten signature, which evidences my agreement to the debt.

5. Purchase price of said debt from the original creditor.

6. Copy of their business license to conduct collections in the State of Florida. 

Additionally, please confirm the following steps taken to validate the debt : 1.Receipt and review of my request for validation.

2.Verification of the original creditor and account details.

3.Provision of a copy of the original signed agreement.

4.Documentation proving the transfer of ownership of the debt.

5.Confirmation of any amounts owed, including itemized statements or calculations. 

ABSOLUTELY NONE OF THE REQUESTED DOCUMENTATION HAS BEEN PROVIDED. ONLY A STATEMENT SAYING " VERIFIED, '' which is insufficient to establish their claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: UT

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX UT XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$63.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$6100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$930.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$150.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$870.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$150.00} XXXX XXXX XXXX XXXX - Account Number : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am filing this complaint against the XXXX, XXXX, and XXXX that have included inaccurate personal information on my consumer credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they report. 

Despite my repeated efforts to have the inaccurate data corrected or removed, the following false information continues to appear on my credit report : Multiple names and/or aliases that do not belong to me Multiple addresses that I have never lived at or used The only correct and accurate information that should appear on my credit report is : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The inclusion of inaccurate names and addresses is not only misleading but may also be leading to other reporting errors and violations of my rights under federal law. These errors can negatively impact my credit standing and have already caused confusion and distress. 

According to 15 U.S. Code 1681, consumer reporting agencies are required to adopt reasonable procedures to assure the accuracy and integrity of the information they report. By continuing to list incorrect personal information after being notified, these agencies are failing to uphold their legal responsibilities under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am filing this complaint against the XXXX, XXXX, and Innovis that have included inaccurate personal information on my consumer credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they report. 

Despite my repeated efforts to have the inaccurate data corrected or removed, the following false information continues to appear on my credit report : Multiple names and/or aliases that do not belong to me Multiple addresses that I have never lived at or used The only correct and accurate information that should appear on my credit report is : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The inclusion of inaccurate names and addresses is not only misleading but may also be leading to other reporting errors and violations of my rights under federal law. These errors can negatively impact my credit standing and have already caused confusion and distress. 

According to 15 U.S. Code 1681, consumer reporting agencies are required to adopt reasonable procedures to assure the accuracy and integrity of the information they report. By continuing to list incorrect personal information after being notified, these agencies are failing to uphold their legal responsibilities under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX  Date : 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 2025-06-19 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:
I've recently requested a copy of my credit report and noticed several inaccurate and unauthorized account information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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 2025-06-19 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding a deceptive change in my savings account interest rate.

When I opened my account, Capital One was promoting an interest rate of 4.5 % APY, which strongly influenced my decision to bank with them. However, without any clear notification or follow-up, they lowered the interest rate on my account. I was not made aware of this change, nor was I provided with any explanation or transparency about the decision.

I believe this practice is misleading and unfair. By not informing me of the rate reduction, Capital One has effectively cheated me out of the expected returns on my savings. This lack of communication and transparency is deeply concerning and appears to be a violation of consumer trust. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Capital One is held accountable and that other consumers are protected from similar practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXXXXXX XXXX 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 2025-06-19 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX  - Account Number 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I am having an issue with a company reporting late payments well after the account had been closed. The company is included in my bankruptcy which has been discharged .. They are reporting false information on my reporting including that I was 90+ days late 26 times and the account wasn't even that long .. They continued to post late payments as recent as this year..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account, SYNCB/AMAZON ( XXXX ), is being reported on my credit file as a charge-off. I do not recognize this account and have no recollection of ever opening or maintaining an account with this company. In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting all documentation related to this account, including : The original signed agreement or application, A complete payment history, any correspondence sent to notify me of the charge-off status, and any other relevant records used to verify and report this account. Additionally, the payment history being reported is inaccurate and inconsistent, and it does not comply with FCRA guidelines. The discrepancies in payment history and date last active further undermine the credibility of this accounts reporting. Based on the lack of verification and the reporting errors, I am requesting that this account be immediately removed from my credit report.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Credit Collections [ insert full company name from your report or letter ], who is currently reporting an alleged debt to one or more credit bureaus and/or contacting me to collect it despite my formal request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I submitted a written dispute and debt validation request. The company has failed to provide : The name and address of the original creditor ; A full itemization of the balance, including fees, interest, and payments ; A signed agreement or contract bearing my signature ; Proof they are licensed and legally authorized to collect in my state ; The chain of title or assignment documentation showing they lawfully own or are servicing this debt.

Despite this, they continue to : Attempt to collect the debt ; Report the account to credit reporting agencies ; Offer no documentation to verify the legitimacy of the account.

These actions are clear violations of : FDCPA 1692g ( b ) debt collectors must cease collection and validate upon request ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must report only accurate, verifiable data ; FCRA 1681e ( b ) consumer reporting must reflect maximum possible accuracy ; FDCPA 1692e ( 8 ) it is unlawful to report information known or believed to be false.

Relief Requested :

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I attempted to get auto insurance through USAA. After entering a significant amount of personal information, the website informed me I did not qualify for auto insurance but stated that we might have other options for you and prompted me to create an account. 

During the account creation process, I was asked to provide my Social Security Number ( SSN ) and other sensitive data. Only after completing the registration did I realize that there were no services available to me and I was not eligible for any meaningful products. 

I then contacted USAA and requested that my account be canceled and my personal data deleted, particularly my SSN. I was told this was not possible due to business purposes and regulatory requirements, and that USAA would retain my data even though I never became a customer or received any service. 

This experience feels deceptive. The company misrepresented service availability to collect sensitive data and now refuses to delete it. This raises serious concerns, especially considering USAA 's past data breaches and the risks of identity theft. 

What I want : For USAA to permanently delete all non-essential data, including my SSN, unless they can cite a specific legal requirement for retention. 

Confirmation that I am fully opted out of marketing and all third-party data sharing. 

A clear explanation of what personal data they continue to retain and the legal basis for doing so.

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