vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account listed in my credit profile. I never authorized, opened, or maintained this account. Its presence is a reporting error that is damaging to my credit record and reputation.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
b'Gave another company my information without my permission'

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: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I filed in a complaint back in XXXX, due to how a deposit of money orders was handled. I explained to numerous people BOA staff that the money orders were purchased by me and returned to me by mortgage lender, resulting in my home going into foreclosure. 

I went back and forth with the bank about the money orders totaling {$2100.00}, the bank sent replacement images, resulting in another " hold '' being placed on the finances. It was a two-week process for me finally to get the money held up for weeks. I confirmed that the money orders had been cashed, so I don't understand why BOA was holding the funds that long when they cashed the money orders 5 days prior to the 2nd hold being placed.

My lights were disconnected, received several NSF funds on several of my accounts due to the delay with receiving the {$2100.00} from BOA, I am still dealing with the effects of this whole process.

Then a few weeks ago I tried using my debit card and it was " locked '' BOA closed both of my accounts with no explanation or warning. BOA is very unprofessional handling these types of matters. I just want the remaining balance in my account, and they should reimburse me for all the NSF funds I am now facing with several of my accounts because of the delays with processing my deposits.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
A unknown person signed up for a credit card with American Express and made a purchase with the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint Summary : I am filing a complaint against Citibank , N.A . for what I believe to be a clear violation of the Electronic Fund Transfer Act ( Regulation E ). 

On XX/XX/year>, I discovered multiple unauthorized transactions on my Citibank debit account ending in XXXX, totaling {$1300.00}. These included : {$1000.00} in ATM withdrawals {$290.00} in additional unauthorized transactions I never received the physical debit card or the PIN. I never activated the card or authorized any of these transactions. I immediately reported the fraud to Citibank on the same day ( XX/XX/XXXX ), and I also filed a police report with the XXXX XXXX Police Department confirming the theft and unauthorized use of my card information. 

Citibank initially issued provisional credits on XX/XX/year>, for the full amount. However, on XX/XX/year>, they notified me they were reversing both credits and would deduct the amounts from my account on XX/XX/year>. Their justification was that my card and PIN were used, and therefore they deemed the transactions as authorized. 

This is unacceptable and legally incorrect under Regulation E. The bank has not provided any proof that I authorized these transactions. In fact, the opposite is true : I reported the fraud immediately, never had the card or PIN in my possession, and provided a police report to support my claim.

I am requesting the CFPB to : 1. Investigate Citibanks handling of this case for potential violations of Regulation E ; 2. Prevent Citibank from withdrawing the refunded funds ; 3. Require Citibank to permanently credit the {$1300.00} back to my account ; 4. Ensure Citibank fully explains how they reached their conclusion without considering my police report or evidence.

I am under significant financial and emotional distress due to Citibanks denial and request the CFPBs assistance in enforcing my consumer rights.

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 status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Background & Timeline : XX/XX/year> Sent Debt Validation Request to XXXX XXXX ( Certified Mail, Exhibit XXXX ). XXXX admitted no signed application was available, only provided statements, and confirmed the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/year> Filed disputes with all three CRAs regarding XXXXXXXX XXXX and XXXX XXXX XXXX  tradelines. CRAs marked the account as 'verified ' but did not provide any documentation. 
XX/XX/year> Filed CFPB Complaint # XXXX against XXXX XXXXXXXX responded they were unable to locate an account with the information provided. 
To date : Two certified demand letters have been sent ( Exhibits XXXX and XXXX ), including USPS receipts and proof of identity. No signed contracts or chain of assignment have been produced. XXXX  admits no signed application exists.

Violations : FCRA 15 U.S.C. 1681XXXX ( b ) : Furnishers must conduct a reasonable investigation and provide objectively verifiable documentation of the debt when disputed. In XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX. XXXX XXXX  ), the court held verification requires documented proof, not conclusory statements. 
FDCPA XXXX XXXX. XXXX ( b ) : Once validation is requested, debt XXXX must cease collection until proper documentation is furnished. XXXX admitted they had no information. Despite this, CRAs only updated the tradeline as 'Disputed by Consumer, ' which still negatively impacts my credit profile and defames my character. 
CRA Duty 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when provided with factual evidence. Simply rubber-stamping accounts as 'verified ' without reviewing documentation violates the statute.

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: 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to properly investigate my disputes by the furnishers XXXX XXXX, XXXX, Affirm, and XXXX XXXX . I have disputed these accounts multiple times with the credit bureaus, yet the furnishers continue to provide the same inaccurate data, which was marked as verified as accurate. Despite this, the reporting contains clear XXXX XXXX violations and does not comply with the Fair Credit Reporting Act ( FCRA ). Under FCRA 623, furnishers are required to provide complete and accurate information, but they are failing to uphold this duty. They all are also reporting different information amgonst the XXXX credit bureaus so it is a lot of inaccuracies. 
For example, XXXX XXXX is reporting a XXXX XXXX on a collection account, which XXXX XXXX strictly prohibits. It also provides payment history and balance history fields that should remain blank for collections, creating the appearance of an active loan. XXXX reports a Past Due Amount even though the account is charged off. XXXX XXXX requires past due amounts to be {$0.00} once charged off, and payment history should not continue after charge-off. Yet, the account is still updated monthly as if active. Affirm reports High Credit and Credit Limit on closed or charged-off accounts, even though XXXX XXXX XXXX these fields to be blank. It also reports ongoing payment history and balances inconsistent with the closure status. XXXX XXXX is reporting High Credit and Past Due Amount on a closed account, when those fields should show blank or {$0.00}. It also continues to report a payment history profile despite closure, which is not compliant with XXXX XXXX. 
Because these furnishers continue to supply inaccurate and misleading information every month, my creditworthiness is being harmed repeatedly. I have been denied both credit and housing due to this false reporting. These errors directly prevent me from accessing fair financial and housing opportunities.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX years. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management sent me a letter dated XX/XX/XXXX stating that if I did not pay the full balance of an alleged XXXX debt by XX/XX/XXXX, they intend to file a lawsuit against [ me ]. 

The exact wording was : If we do not receive payment IN FULL by XX/XX/XXXX, we intend to file a lawsuit against you This communication was aggressive and threatening. As of today, no lawsuit has been filed. I believe this was a false threat of legal action, which violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 807 ( 5 ). That section prohibits a debt collector from making a threat to take any action that is not intended to be taken. 

I also believe this letter may mislead or pressure consumers into paying debts under duress, without confirming the debt is valid or collectible. I have requested debt validation and intend to assert my rights under the FDCPA.

I would like the company to do the following : Cease all collection activities until the debt is properly validated Confirm in writing whether or not they intend to file a lawsuit Stop using misleading or threatening language in future communications Remove the collection from my record if the debt can not be validated Compensate me for any FDCPA violation, if applicable I sent a debt validation request by certified mail on XX/XX/XXXX and have not received a response. And most recently another debt validation letter on XX/XX/XXXX.

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 enough information to verify debt
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I have never received any notice from you regarding the alleged debt you are attempting to collect, and I was surprised to find this account reported on my credit report. Pursuant to my rights under applicable 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: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo charged off my auto loan for my XXXX  ( VIN : XXXX ). However, they have not removed their lien from the vehicles title. This prevents me from clearing the title or moving forward with salvage/repair options. 

I am requesting that Wells Fargo : 1. Release the lien on my XXXX since the account has already been charged off. 
2. Update the state title records to show the lien is removed. 
3. Provide me with written confirmation of lien release.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my formal dispute of an inaccurate late payment on my account. I have verified my records, which prove timely payments. The incorrect reporting is misleading and is creating unjust harm to 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 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX amount is showing XXXX not mine i have dispute this acct and no one has gotten back to me. is reporting on XXXX  reporting on my report that has been completed. reprting on my credit report twice. with the same acct number and different balance ofXXXX.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation