vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
I am sending this complaint in accordance with the Fair Credit Reporting Act. The accounts and inquiries listed on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Specifically, 15 U.S.C. 1681 Section 602 ( a ) affirms my right to privacy, and 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including adverse items in a consumer report that are not accurate or properly verifiable, except for certain crime records older than seven years. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from providing information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. The reporting of these accounts and inquiries violates these federal provisions and misrepresents my credit history.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP
State: AL

Complaint narrative:
My daughter made an online account with Ameris Bank in my name. I forgot that she told me she was going to make it for me. She normally handles anything dealing with my finances. The bank teller called me and asked me about the account and I told her that I didn't make the account that maybe my daughter made it. They instantly closed the account and told me that my check would be sent to me in the mail within 10 business days. After the 10 days had passed I called back and they told me that I would have to come to a branch and get it. Why do I have to go to a branch when my account was funded via mobile deposit? She made the account on XX/XX/year> and on XX/XX/year> my account was closed. She funded the account via mobile deposit with a check in the amount of XXXX check was from my health insurance company XXXX XXXX XXXX The closest branch of the bank is 2.5 hours away from me. I don't think it's fair that I have to go through so much to get my money from the bank. It has been almost 2 months and I still don't have my money. I am wondering if they closed my account why are they still sending me bank statements and a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting that these late payment entries be investigated and verified, and if they can not be confirmed as accurate, I ask that they be corrected or removed from my 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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> VIA Certified Mail / Email / Both ABILITY RECOVERY XXXX XXXX XXXX XXXX XXXX, PA, XXXX Cease and Desist Nature of the Violation ( e.g., Defamation, Harassment, Copyright Infringement, Trademark Misuse, etc. Account number XXXX Dear ABILITY RECOVERY SERVI This letter serves as a formal Cease and Desist Notice demanding that you immediately stop and refrain from engaging in the following conduct : Using my copyrighted material without permission / contacting me in a harassing manner, etc. These actions are unlawful and have caused, and continue to cause, harm to my reputation, business, personal well-being, etc.

You are hereby directed to : 1. Immediately cease all aforementioned actions ; 2. Refrain from engaging in any similar behavior in the future ; and 3. Remove or retract all materials, communications, or publications that contain the unlawful or infringing content, no later than XX/XX/year> Failure to comply with this demand may result in legal action against you, including but not limited to seeking monetary damages, injunctive relief, and recovery of legal fees. This letter serves as a final warning before such action is taken. 

Please confirm in writing by date, typically XXXX business days from receipt ] that you will fully comply with these demands. 

Nothing in this letter shall be construed as a waiver of any of my rights, remedies, or claims under applicable law, all of which are expressly reserved. 

Sincerely, 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 explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I dont know nothing good about this company west XXXX XXXX XXXX is bad its not a good they will not give me a 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im filing this complaint because Experian continues to report a bankruptcy that it claims came from the U.S. Bankruptcy Court Texas XXXX, but I have never received any proof of how this information was obtained or verified. This bankruptcy appears on my Experian report under Federal Public Records, yet when Ive asked Experian for documentation or an original court record, theyve provided nothing. They just keep saying the item was verified, which is not an acceptable or lawful response. 
From my understanding, the U.S. Bankruptcy Courts do not send or sell consumer information directly to Experian. These records are gathered by outside data vendors that sell the information to the credit bureaus. Because Experian has never identified that vendor or shown me any certified document from the court itself, theres no way to confirm that the record belongs to me or that its even accurate. Without real verification, this is hearsay reporting, not factual data. 
Ive disputed this bankruptcy with Experian several times over the past 60 days and have asked in writing for : The original documentation or court record they relied on, The name of the data source or third-party vendor, and Proof that Experian verified the accuracy of this public record before publishing it.

To date, none of this information has been provided. Experian simply repeats that the item was verified but refuses to show how. Thats a direct violation of my consumer rights under federal law : FCRA 607 ( b ) requires credit bureaus to assure maximum possible accuracy of all data they report.

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing data known or believed to be inaccurate.

FCRA 611 ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation once a consumer disputes an item.

FCRA 611 ( a ) ( 5 ) ( A ) requires the prompt deletion of any unverifiable information. 
Metro 2 XXXX XXXX, XXXX, XXXX require factual documentation and verifiable source data before furnishing or maintaining any public-record information. 
I want to be clear : I have never claimed identity theft. This is a Metro 2 factual-dispute complaint based on inaccurate and unverified reporting. Experians failure to identify where this information came from or to provide any real evidence shows that theyre not following proper investigation procedures or data-accuracy standards.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, I am writing to formally dispute the inaccuracies on my Equifax credit report as outlined below. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} This account is inaccurate and should be removed immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$980.00} This account is also inaccurate and must be deleted from my credit report. 

XXXX. XXXX XXXX XXXX XXXX : {$3600.00} This account is also inaccurate and must be deleted from my credit report. 


These entries are not only incorrect but also violate my rights under the FCRA, which requires that you maintain accurate and complete information in consumer reports. As such, I expect the immediate removal of these accounts from my credit report. 

Please conduct a thorough investigation and provide me with written confirmation of the results. I expect to hear back from you within the 30-day timeframe mandated by the FCRA. 

Enclosed are copies of documents supporting my claims, including payment records and correspondence regarding the status of these accounts. I am prepared to escalate this matter to the appropriate regulatory agencies if these inaccuracies are not resolved promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am requesting a complete review of the late payments being reported on my FHA mortgage with Idaho Housing & Finance. The late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  were reported during two overlapping hardships. 

First, before my familys medical crisis began, I had recently come out of a period of unemployment. I communicated with the servicer during that time and did my absolute best to catch up on payments. I was not aware that the way the payments were applied would impact my credit so heavily, especially since I was actively working with the servicer and attempting to stay in good standing. 

Second, shortly afterward, my sister was XXXX XXXX XXXXXXXX and my mother began experiencing XXXX XXXX XXXX  requiring multiple XXXX. I was the primary support person for both of them. During this period, I contacted the servicer, explained the medical hardship, and asked for assistance and clarity on my payment options. I was told that while I was working to get caught up and dealing with the hardship, negative reporting would not occur. 

However, the account was still reported late for the months listed above. The reporting is inconsistent with my own records and does not match the guidance I was given. A representative even informed me directly that if I disputed the late payments, they would be removed, which suggests that the reporting may not be verifiable or accurate. 

Under FCRA 623 ( a ) ( 8 ) and Regulation X, I am requesting : 1. Verification of the late payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Copies of all internal notes and call logs regarding my communications about unemployment and the medical hardship.

3. Deletion of any late payment that can not be verified as fully accurate, or that resulted from misinformation, miscommunication, or failure to assist during documented hardship.

These late payments are now directly affecting my ability to purchase a home in XXXX, Texas, where I need to relocate to care for my mother as she continues her XXXX XXXX. This is causing active and ongoing harm to my housing situation. 

I am now stable, fully caught up, and have maintained recent on-time payments. I am respectfully requesting the removal of the late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in recognition of the financial hardship, documented medical emergencies, and the conflicting guidance I received from the servicer. 

Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX XX/XX/XXXX Re : Formal Dispute of Inaccurate Credit Information under 15 U.S.C . 1681i Intent to Pursue Legal Action for Noncompliance To Whom It May Concern, This letter is a formal dispute and request for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I am disputing the following FRAUDENTLY inaccurate and/or unverifiable information currently appearing on my credit report : ACCOUNTS 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 BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Reason for Dispute : INACCURATE ACCOUNTS, NO AUTHORIZATION INQUIRIES, NO VALIDATION OF DEBT You are required by law to conduct a reasonable investigation of this dispute within 30 days of receipt. If the information can not be verified, it must be deleted or corrected immediately under 1681i ( a ) ( 5 ). 

Failure to perform a lawful and reasonable investigation, or to remove unverifiable or inaccurate information, will be considered a willful violation of my rights under the FCRA. 

If compliance is not achieved, I intend to pursue legal action and seek statutory and punitive damages in the amount of {$10000.00} per violation, as permitted under 15 U.S.C. 1681n and 1681o. 

Please confirm in writing that this dispute has been received, and provide me with the results of your reinvestigation along with an updated credit report once completed. 

Sincerely, XXXX XXXX XXXX SSN ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
Mohela transferred my student loan to StudentAid WITHOUT notice, and did not give me any info on where my loan went or how to pay. They just shut off my account and allowed my credit to go from perfect to now having lates.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
I am submitting a formal dispute regarding inaccurate information on my background report. The report lists driver suspension, and unpaid fine on XX/XX/year>, that has been fully resolved and paid. The Florida court record confirms this, and the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ) verifies that my drivers license is currently valid. 

Because this information is outdated and misleading, I respectfully request that you remove this entry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting an alleged {$10000.00} collection on both Experian and XXXX, and its actually showing up twice under the same account number. Thats duplicate reporting, which is completely inaccurate and misleading. 
It has now been well over 90 days, and I still have not received a single piece of written validation or documentation for this debt. Ive asked for everything the original lease agreement, itemized breakdown of charges, move-out statement, proof of ownership of the debt, and any documentation showing how this balance was even calculated. None of that has been sent. 
If this debt is supposed to be from an apartment complex, then I want to see the actual lease agreement with my signature, payment history, and final account statement. You cant just throw something on someones credit report with no evidence and expect it to stick. 
Both Experian and XXXX  have continued to report this despite multiple disputes, and both bureaus have ignored my requests for validation. Instead, I keep getting generic verified responses but no actual proof. Thats not verification. Thats negligence and a direct violation of my rights under federal law. 
This situation violates : FCRA 607 ( b ) duty to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) failure to conduct a reasonable reinvestigation and delete unverifiable information ; FCRA 623 ( a ) ( 1 ) ( A ) knowingly furnishing inaccurate information ; FCRA 623 ( a ) ( 3 ) failing to mark the account as disputed ; FDCPA 809 ( a ) failure to provide written debt validation within 5 days of initial contact ; Metro 2 4.2.2, 4.3.1, and 6.2.1 duplicate tradelines and lack of factual documentation. 
At this point, this isnt even about verification anymore its about accountability. Youve had more than 90 days to get me proof, and I still havent received anything. 
If this account isnt immediately removed, I will be pursuing legal action against XXXX XXXX XXXX, Experian, and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint regarding my former Chase credit card account that was charged off and later assigned to XXXX XXXX XXXX. 

During 2024, I went through a very difficult period of my life. I was a student with limited income, got into a serious car accident, spent time in the hospital, and shortly after that my daughter was born. Because of these circumstances, I was unable to keep up with my credit card payments. 

The account was eventually charged off, but I have since fully paid the balance through XXXX XXXX XXXX, and the account now shows a {$0.00} balance and is closed. 

I understand that the reporting was accurate at the time, but I am respectfully asking Chase to review this case for a goodwill adjustment. I would greatly appreciate if the charge-off and XXXX days late marks could be removed or updated to Paid / Closed, as I am now financially stable and working hard to rebuild my credit. 

Thank you for your time, understanding, and for considering this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting that these late payments be investigated and verified, and if they can not be fully confirmed, I ask that they be promptly corrected or deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
In reviewing my XXXX  credit report dated XX/XX/XXXX, I discovered that a collection account from Jefferson Capital Systems was being reported in my file. The account lists XXXX XXXX as the original creditor, with an alleged balance of {$290.00}, opened on or around XX/XX/XXXX, and last updated in XX/XX/XXXX. 

I have never opened or authorized any account with XXXX XXXX, nor have I had any dealings with Jefferson Capital Systems. This account is fraudulent and was added to my credit report without my knowledge or consent. 

After discovering the error, I contacted XXXX  to dispute the account and requested verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I also sent a written debt validation request to Jefferson Capital Systems under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), asking them to provide proof of the alleged debt. 

As of this date, no documentation has been provided validating the account. The company continues to report this account to the credit bureaus, negatively affecting my credit profile. 

I am requesting that this inaccurate and unverified account be removed from my credit report immediately, and that Jefferson Capital Systems cease all reporting and collection activity related to this alleged debt.

Company response to consumer: Closed with explanation