vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has 4 collections, one for {$420.00} and one for {$1000.00}, {$1100.00} and {$29000.00} reporting on my credit report. These collections do not belong to me. The furnishing of these collections are reporitng inaccurately and are hindering my credit report.

This reporting of false and misleading information falls in accordance with ( 15 U.S.C. 1692c ) : This section prohibits deceptive collection practices, indirectly requiring that any information communicated not be misleading or inaccurate.

Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 : Amends the Fair Credit Reporting Act to enhance the accuracy of reports and includes provisions to help reduce identity theft, such as the truncation of credit card and Social Security numbers on printed receipts.

Fair Debt Collection Practices Act ( FDCPA ) Acquisition of Location Information ( 15 U.S.C. 1692b ) : While not directly about information accuracy, this section requires any debt collector communicating with any person other than the consumer to acquire location information about the consumer without stating that the consumer owes any debt.

Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) This section details the responsibilities of entities that furnish information to consumer reporting agencies. It requires furnishers to provide accurate information, investigate disputes received from consumer reporting agencies, and correct or delete inaccurate or unverified information.

Fair Credit Reporting Act ( FCRA ) Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : This section requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Dispute Resolution ( 15 U.S.C. 1681i ) This section outlines the procedures that must be followed when a consumer disputes the accuracy of information in their credit report. It mandates that consumer reporting agencies must investigate disputes, usually within 30 days, and either verify, correct, or delete the disputed information.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.

With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> I made a payment plan to make a payment on my credit card. Capital one agreed and once I made the payment they closed my account and kept my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because a debt reported by F.H. Cann & Associates, on behalf of XXXXXXXX XXXX, is inaccurately showing on my credit reports as unpaid and in collections, with a balance of {$2800.00}. 

On XX/XX/year>, I received an official email from XXXX XXXX XXXX XXXX XXXX XXXX confirming that the account had been processed as paid in full and that credit reporting would be updated accordingly. Despite this confirmation, the account is still reporting to XXXX and XXXX as open, seriously past due, and in collection status. 

I disputed this account with the credit bureaus, and added a consumer statement explaining that the debt was paid and never late. However, the account remains unchanged as of the last reporting in XX/XX/year>. I also reached out to F.H. Cann & Associates to request written confirmation that the account would be updated or removed, but have not received a response. 

The account is harming my credit despite being resolved, and its continued inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of credit information. 

I am requesting that this account be immediately corrected to reflect a {$0.00} balance and paid-in-full status or removed entirely from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: GA

Complaint narrative:
I had a debt with the company and this company picked up that debt. I have paid that debt and settle in full and all I have asked is for a zero balance letter stating that I no longer have that debt as a balance and it has been paid. The company offered to email me this document if I signed a final receipt. I have never signed a receipt before with this company. They did not send me a final receipt and when I asked the representative to send it to me, she did, but she did not send it in an electronic form allowing me to sign electronically. I explained to the company that it would take a lot more for me to have to print this off, sign it and then send it back and how I do not think that its fair or in good business practice to require me to sign a receipt in order to say that I had paid my balance that I agreed to pay in full. Being that I have paid this debt, I believe that I am entitled to receive a zero balance letter stating this debt has been paid and settled in full without me having to sign a receipt for a final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
Since XX/XX/ 2025, I have contacted the collection agency 5 times requesting proof of my debt. I have yet to receive any documentation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Farrell Holdings, LLC
State: NV

Complaint narrative:
This merchant is reporting incorrectly on my credit report and it is hurting my credit. It is also a violation of the federal fair credit reporting act. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3200.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$6900.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding fraudulent activity that resulted in the loss of my personal funds and XXXX refusal to provide protection. 

On XX/XX/year>, I received and deposited a check in the amount of {$2200.00} as part of what I later learned was a fraud scheme. The individual presented themselves as relocating for work and entering into a lease transfer with me. A portion of the funds was used to pay for lease-related costs, and the remainder was sent via XXXX under instructions that turned out to be fraudulent.The check was initially credited to my account, and I was instructed by the other party to forward portions of the money to supposed merchants via XXXX : {$800.00} to XXXX XXXX {$650.00} to XXXX I XXXX these XXXX transfers XXXX good faith because the deposited check showed as available in my account. On XX/XX/year>, the check was returned by the issuers bank as altered/fictitious/counterfeit. As a result, SoFi withdrew the credited funds, leaving me out the amounts I had already sent from my personal balance. 

I filed disputes for both XXXX transfers ( SoFi dispute case numbers XXXX for XXXX XXXX and XXXX for XXXX ). SoFi denied both, stating the transactions were authorized. However, these were not legitimate transfers : they were fraudulently induced in connection with a counterfeit check. Under Regulation E, a payment is unauthorized if the consumer was misled or defrauded into sending money. 

I provided SoFi with supporting documentation, including : XXXX Police Report XXXX XXXX. XXXX XXXX Report ID : XXXX Despite this, SoFi closed my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-29 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:
I am disputing a late payment inaccurately reported on my account. My verified records demonstrate that all payments were made on time, rendering this entry false. The presence of this erroneous information is misleading and harmful to my creditworthiness.

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 2025-08-29 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ Navient ] Account Numbers : [ XXXX and XXXX ] Date of Charge-Off : [ XX/XX/XXXX and XX/XX/XXXX ] It has come to my attention that this charge-off is being reported repeatedly monthly/yearly, which is incorrect because it was charged off XX/XX/XXXX and XX/XX/XXXX but has been repeatedly reported for the past few years as charged off in XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). These accounts were charged off in XXXX and renewed with new charge off dates. Repeatedly reporting this charge-off as a new event each month/year does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history and remove the charge off from my credit report. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Subject : Request for Debt Validation under FDCPA Dear Midland credit I am writing in response to a [ call/letter/email ] received on XXXXregarding an alleged debt. Plea Under the FDCPA, I have the right to request the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A detailed explanation or documentation showing that I am legally obligated to pay this debt ; XXXX. A copy of any judgment ( if applicable ) ; XXXX. Proof that your agency is licensed to collect debts in my state.Please treat this letter as a formal request to cease all collection activities until the requested validation is p If you are unable to validate the debt, please notify all credit bureaus to which you may have reported it and This is not a refusal to pay, but a request for validation. Be advised that any further attempts to collect this d Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
To my frustration, I noticed again this morning that inaccurate accounts continue to appear on my credit report. I refreshed my browser, hoping it was a mistake, but they did not go away. Because of this, I am demanding that the documents I submitted be carefully checked right away so I can finally stop stressing over this ongoing issue.

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 2025-08-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXXXXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXXXXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXXXXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ ]

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation