vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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:
b'Date: XXXX XXXX XXXX\nFrom:\nXXXX XXXX\nDate of Birth: XXXX\nSSN: XXXX XXXX XXXX IL XXXX\nTo:\nEquifax Information Services LLC  Consumer Dispute Center\nXXXX XXXX XXXX, GA XXXX\nRe: Formal Debt Verification & Demand for Validation\nPursuant to 15 U.S.C. 1692g & 15 U.S.C. 1681i\nTo Whom It May Concern,\nThis letter serves as a formal dispute and demand for verification of the following charge-off accounts currently being reported on my Equifax credit file:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Status: Charge-off\nMy Legal Demand\nUnder the FCRA (15 U.S.C. 1681i) you must conduct a reasonable reinvestigation of any disputed item. Under the FDCPA (15 U.S.C. 1692g), furnishers/collectors must provide full validation before these debts can continue to be reported or collected.\nFor each account above, provide:\nThe original signed contract or agreement establishing my legal obligation.\nComplete itemized accounting of the balance (principal, interest, fees, add-ons).\nProof of ownership and authority to report/collect (bill of sale, assignment, chain of title).\nEvidence of strict FCRA compliance (accurate balances, dates of first delinquency, charge-off dates, last payment dates).\nThe full name, title, and direct contact information of the specific individual with whom you claim to have verified each debt. Generic statements that the creditor verified are insufficient.\nConfirmation the reporting is not outside the statute of limitations for collection or reporting under 15 U.S.C. 1681c.\nDo not process this via e-OSCAR. I demand a real investigation by a live person, not an automated system.\nNotice of Federal Violations\nA bill or monthly statement is not validation. A bill is not validation.\nIf you cannot produce the documentation above, you must immediately delete these charge-off accounts from my Equifax file.\nContinuing to report unverified/inaccurate information constitutes willful violations, subjecting you to civil liability under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o.\nI am retaining all correspondence. If these items are not fully validated and corrected within XXXX  days, I will file complaints with the CFPB, FTC, and the Illinois Attorney General, and pursue civil remedies.\nThis is a legal demand. Govern yourselves accordingly.\nSincerely,\nYadira Yepez'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting multiple inaccurate and unverifiable negative accountsincluding charge-offs and collectionswithout validating contracts, proof of value given, or lawful assignment in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), UCC 3-303 ( b ), and Mississippi consumer protection laws ( MS Code 75-24-5, 11-7-281 ). I formally demanded deletion, and Equifax has failed to provide lawful verification or remove the derogatory data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX RE : Dispute of Secured Loan XXXX ( Acct XXXX XXXXXXXX ) To Whom It May Concern, I am disputing the accuracy of the above account as reported by XXXX 

The tradeline reflects inconsistent balances : - Original balance : {$22000.00} - Charged-off amount : {$21000.00} - Past-due balance : {$25000.00} These numbers are contradictory and can not all be accurate. Under FCRA 623 ( b ), please reinvestigate and provide documentation showing the correct balance and accounting.

Additionally, as this account was previously verified, I am invoking my rights under FCRA 609 to request the * * method of verification * * used by XXXX Please provide the name, contact information, and documents relied upon to verify this tradeline. 

If you can not provide such verification within 30 days, I request deletion of this account. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Good evening. First, I want to thank Citi Bank for offering me a pay-off amount less than the debt owed. Unfortunately, I am unable to make any payment since I am employed and now facing eviction from my apartment. Although, I have money in a retirement account, I was advised not to touch that money by a XXXX XXXX XXXXXXXX XXXX XXXX representative when I worked overtime for XXXX XXXX. Since XX/XX/XXXX, I collected evidence and information and shared those digitally via the internet with many government offices and agencies. The vehicle I never wanted was towed on or before XX/XX/XXXX. I have been unemployed since that time. In XXXX, the XXXX XXXX scheduled a phone call for me to either testify or be interviewed as a witness. That same week, I was also summoned to court for eviction proceedings. If I am evicted, my retirement money would be my safety net, and I blame this entire financial disaster on the pushy salesman at the dealership at a moment in my life when I was vulnerable. This evening, I sent a CFPB message to XXXX XXXX  XXXX to follow up on my email to XXXX that I sent on XX/XX/XXXX. I owe money to my XXXX XXXXXXXX XXXX credit card. My personal credit report has been negatively affected, and I have received non-specific emails from XXXX notifying me that my credit has received a negative mark. I don't know how many negative marks I have or which email notifications are repetitive. I haven't logged into my XXXX XXXXXXXX account since XX/XX/XXXX or prior. This week, I submitted a CFPB message to XXXX XXXX regarding the XXXX Business Debit Card and employment options, including blogs to support the effort I attempted to stay employed. If additional information is requested, I will do my best to be of assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. The information pertains to my bankruptcy filing. While the reporting of a bankruptcy is a public record, the UNITED STATES BANKRUPTCY XXXX, XXXX XXXX OF FLORIDA, XXXX DIVISION does not report any filings to the credit agencies : EXPERIAN, TRANSUNION, and XXXX. Certain details are incorrect and violate the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681. The inaccurate reporting is misleading and harms my ability to rebuild my credit. The Fair Credit Reporting Act, specifically 15 U.S.C. 1681i requires you to conduct a reasonable investigation of all disputed information and correct or delete any information found to be UNVERIFIABLE. I have attached a letter from the UNITED STATES BANKRUPTCY COURT, MIDDLE DISTRICT OF FLORIDA, XXXX XXXX, supporting my claim..

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
To : LEGAL DEPARTMENT Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Accounts Violation of 15 U.S.C. 1692g ACCOUNT NAME : RADIUS GLOBAL SOLUTION ACCOUNT NUMBER : XXXX To Whom It May Concern, I am formally disputing the accuracy, validity, and legal standing of the collection account ( s ) you are reporting under my name. This notice is being submitted pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

You are legally obligated to provide, within 30 days, the following : 1. Verification of the alleged debt bearing my signature on the original agreement.

2. Full itemization of the debt, including the original creditor, the alleged amount owed, interest, fees, and payment history.

3. Proof of legal authority to collect in my state, including any required state licenses.

4. Chain of title/assignment from the original creditor to your agency proving ownership of the alleged debt.

Failure to provide complete validation as required by 1692g renders your continued collection efforts and credit reporting a direct violation of federal law. Reporting unverifiable information to any credit reporting agency also constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ). 


Be advised : Any continued collection activity, including credit reporting, without proper validation is unlawful. 
You must immediately cease and desist from all collection and reporting activities until verification is provided. 
If you can not fully validate the debt, you are required to permanently delete the account from all credit bureaus ( XXXX XXXX XXXX XXXX ). 

Should you fail to comply, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation for statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages. 

This letter serves as your final notice. You have 30 days from receipt of this letter to comply. If you do not, I will take immediate legal action to protect my rights. 


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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Hello, I requested a deferment for my loans twice in XXXXXXXX XXXX The first request, based on school enrollment, was denied because I was less than half-time. 

The second request, based on being in a graduate fellowship, was also denied, even though I submitted supporting documentation. I have attached the letter I originally sent along with the two rejection letters I received from you, which confirm that I applied for deferment twice.

Since I am currently in a graduate fellowship, I should have been granted deferment on that basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In XXXX XXXX, PNC Bank accepted a {$1500.00} payment but did not apply it to the account as expected, instead demanding a remaining {$780.00} without a clear explanation. PNC representatives later spoke only to the borrowers spouse, who has limited XXXX proficiency and did not understand the instructions. This miscommunication led to a missed payment. I requested the call recording to resolve the issue, but PNC refused to provide it unless subpoenaed, despite acknowledging my valid POA. They also reported XXXX derogatory late marks to XXXX  and other bureaus ( XX/XX/XXXX and XX/XX/XXXX ) even though we had initiated resolution steps. These negative reports have caused credit damage, obstructed access to equity, and resulted in financial harm. We attempted to resolve this amicably and requested documentation and call logs, but were denied. We request the removal of the late marks and a correction to the account servicing record and removal of late fees associated with this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have not been able to log into my navy federal credit union account. I forgot my password and need to change it ; and due to a security appeal ( the form I was requested to send in ), I can not even talk to customer service to access my account. My account has been inaccessible for over 60 days.

I do not have access to any 2FA methods because the XXXX XXXX police department ( Maryland ) lost my phone and wallet which contained all my vital information when I was arrested for a misdemeanor.

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 2025-08-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-25 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX : {$540.00} 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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Re : Formal Block & Delete Demand Unverified Bank Records and Identity Theft Concerns To Whom It May Concern : This letter serves as a formal Block & Delete demand regarding multiple negative records in my ChexSystems file. I previously disputed these accounts, but you failed to provide original documentation proving my authorization or liability. Marking them verified without furnishing proof is noncompliance with federal and state law.

Because my personal information was compromised in the XXXX XXXX XXXX XXXX XXXX  I have heightened concerns about fraudulent accounts being associated with my identity. Under the Fair Credit Reporting Act ( FCRA ) 609, 611, 605B, and the Texas Finance Code 392.202, you must either : Provide original signed contracts, account applications, and complete account records proving I am legally responsible, or Block and permanently delete the unverifiable accounts listed below. 

Accounts to Be Blocked & Deleted Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Negative entry XXXXXXXX XXXX XXXX XXXX Negative entry Legal Grounds FCRA 609 ( a ) ( 1 ) : I have the right to see original documentation used to verify accounts.

FCRA 611 : You must delete unverifiable or inaccurate entries.

FCRA 605B : Any entry related to identity theft must be blocked immediately.

Texas Finance Code 392.202 : You must correct or delete disputed information that can not be validated.

My Demand Because you have failed to validate these items with original signed documentation, I demand that you block and permanently delete all of the above accounts from my ChexSystems report.

Notice of Escalation If you do not comply within 30 days of receipt, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Texas Attorney General Pursue litigation for damages under 15 U.S.C. 1681n for willful noncompliance. 

I expect written confirmation of the deletion of these accounts and a corrected copy of my XXXX  file within 30 days. 

Sincerely, XXXX XXXX

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 2025-08-25 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:
Subject : Second Complaint TransUnions Ongoing FCRA Violations Regarding Fraudulent XXXX Account This is my second formal complaint against TransUnion regarding the continued unlawful and inaccurate reporting of the accounXXXX XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * *. Despite my initial complaint ( CFPB Reference # XXXX, submitted on XX/XX/2025 ), supported by my FTC Identity Theft Report ( FTC Report XXXX. XXXX ), TransUnion has failed to properly correct or block the fraudulent data. 

Violations and Evidence Duplicate and Inconsistent Reporting The account is simultaneously reported as both a charge-off and a collection, resulting in a double derogatory impact. This is misleading, deceptive, and not an accurate representation of the accounts status.

Failure to Maintain Accuracy Under 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure maximum possible accuracy. The contradictory reporting clearly violates this standard.

Failure to Investigate and Correct Under 15 U.S.C. 1681i ( a ), TransUnion must reasonably investigate disputes. Despite my previous complaint and supporting documentation, no adequate correction has been made.

Reporting Known Inaccuracies Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers and CRAs can not continue reporting information they knowor should knowis inaccurate. XXXX has been confirmed fraudulent in my FTC Identity Theft Report, which specifically lists XXXX  as a fraudulent account and inquiry. 

Failure to Block Identity Theft Information Under 15 U.S.C. 1681c-2 ( a ), CRAs must block identity-theft-related data within 4 business days of receiving an FTC Identity Theft Report. TransUnion has ignored this requirement. Notice of Legal Intent If TransUnion fails to comply, I will escalate further by : Filing additional actions with the FTC and my State Attorney General.

Pursuing civil remedies under 15 U.S.C. 1681n and 1681o for negligent and willful noncompliance, including damages for credit harm, defamation, and emotional distress.

This is now a matter of repeated violations, identity theft mishandling, and consumer harm. I request that the CFPB ensure immediate corrective action is taken against TransUnion.

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