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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX  XXXX, VA XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] To : XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, SC XXXX ] Subject : Cease and Desist Communication and Reporting Concerning Disputed Account Account Reference [ XXXX ] Dear XXXX XXXX XXXX, I am formally requesting that you cease and desist all communication with me regarding the above-referenced account pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
This account is disputed in its entirety. I do not acknowledge any debt to your company, and your continued reporting of this account to credit reporting agencies constitutes ongoing collection activity and damages my credit reputation. 
Under the FDCPA, once a consumer notifies a debt collector in writing to cease further communication, you are prohibited from contacting me except to : 1. Advise that further efforts to collect the debt are being terminated ; 2. Notify me that certain specified remedies may be invoked ; or 3. Inform me that you intend to invoke a specific remedy. 
Additionally, please note that under 15 U.S. Code 1692e ( 8 ), you are prohibited from communicating or threatening to communicate false credit information, including failing to report that a debt is disputed.

Therefore, I demand that you : 1. Immediately cease all communication with me regarding this account ; 2. Refrain from any further collection activity, including phone calls, letters, or third-party contacts ; and 3. Cease reporting this account or any related information to any consumer reporting agency while it remains disputed.

Failure to comply with this notice may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, and may subject your organization to civil liability under 15 U.S.C. 1692k.

Please confirm in writing that you have received this notice and that all collection and reporting activity on this account has ceased. 
Sincerely, [ XXXX XXXX XXXX ]

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX  XXXX, VA XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] To : XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, SC XXXX ] Subject : Cease and Desist Communication and Reporting Concerning Disputed Account Account Reference [ XXXX ] Dear XXXX XXXX XXXX, I am formally requesting that you cease and desist all communication with me regarding the above-referenced account pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
This account is disputed in its entirety. I do not acknowledge any debt to your company, and your continued reporting of this account to credit reporting agencies constitutes ongoing collection activity and damages my credit reputation. 
Under the FDCPA, once a consumer notifies a debt collector in writing to cease further communication, you are prohibited from contacting me except to : 1. Advise that further efforts to collect the debt are being terminated ; 2. Notify me that certain specified remedies may be invoked ; or 3. Inform me that you intend to invoke a specific remedy. 
Additionally, please note that under 15 U.S. Code 1692e ( 8 ), you are prohibited from communicating or threatening to communicate false credit information, including failing to report that a debt is disputed.

Therefore, I demand that you : 1. Immediately cease all communication with me regarding this account ; 2. Refrain from any further collection activity, including phone calls, letters, or third-party contacts ; and 3. Cease reporting this account or any related information to any consumer reporting agency while it remains disputed.

Failure to comply with this notice may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, and may subject your organization to civil liability under 15 U.S.C. 1692k.

Please confirm in writing that you have received this notice and that all collection and reporting activity on this account has ceased. 
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 explanation
Consumer complaint received 2025-11-10 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: LEXISNEXIS
State: GA

Complaint narrative:
I am submitting this follow-up correspondence regarding my complaint, CFPB Case # XXXX, originally filed against LexisNexis Risk Solutions, Inc. regarding the inaccurate and unverified reporting of a bankruptcy ( Case No. XXXX ). 

LexisNexis responded stating that the bankruptcy information was verified through the XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ) system. However, this does not constitute an actual verification of accuracy as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). The XXXX Bankruptcy XXXX and XXXX have publicly stated that they do not verify, furnish, or report consumer information to any consumer reporting agencies or third-party data resellers. 

Since LexisNexis can not obtain confirmation from the actual data furnisher ( the court itself ), this alleged verification through PACER is invalid. PACER merely provides public access to court documents ; it is not an authoritative verification source for consumer identity or case accuracy under the FCRA. 

I respectfully request that the CFPB require LexisNexis to : XXXX. Delete the unverified bankruptcy information from my LexisNexis consumer file ; and XXXX. Instruct the nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) to remove any reference to this unverified bankruptcy record. 

LexisNexiss continued reporting of this record without proper verification violates FCRA XXXX ( a ) ( XXXX ), which mandates deletion of disputed information that can not be verified. 

Thank you for your attention to this matter and for helping ensure the accuracy and integrity of consumer data reporting.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

MODPED Account # XXXX * * Date Opened : XX/XX/XXXX MODPED Account # XXXX * * Date Opened : XX/XX/XXXXXXXX XXXX  Account # XXXX * * Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I attempted to deposit {$3100.00} in cash at the Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The ATM miscounted the deposit and displayed only {$1300.00}. Because this was incorrect, I canceled the transaction. When canceled, the ATM only dispensed {$1300.00} back instead of the full {$3100.00}. This means {$2000.00} of my cash remained inside the machine. 

I immediately contacted Bank of America and filed a claim. The bank issued a temporary {$2000.00} credit while they investigated. In XXXX, the bank denied the claim and removed the temporary credit. I called again and the claim was reopened. After theXX/XX/XXXX investigation, at the end of XXXX, the bank denied the claim again and permanently removed the {$2000.00}. 

During this entire process, I specifically requested the standard documentation that should support the banks decision, including : The ATM vault cash reconciliation report for XX/XX/year>2025 The ATM overage/shortage balancing report from that date The ATM surveillance video footage of the transaction A clear explanation of how the final determination was reached Instead of providing this required information, the bank simply stated they would reopen the case, and after reopening, they denied it again without providing any of the reports or evidence used to justify the denial. 

Because the transaction was canceled and the ATM did not return the full amount of cash deposited, the missing {$2000.00} should have been recorded as an overage inside the machine. Without the vault reconciliation and balancing records, the denial is not supported. 

I am requesting that Bank of America be required to conduct and disclose a full ATM vault cash reconciliation for this machine on XX/XX/scrub>, 2025, and return the {$2000.00} retained by the ATM.

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 monetary relief
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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 a 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 seven 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 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX Tx. 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This medical debt of {$610.00}. Is not mine and was apart of a data breach. I do not have any medical collections or collections in general. I have 100 % payment history on all 30 plus account I maintain. This account does not reflect my credit profile. XXXX  in XXXX has already removed this collection from my credit profile due to the false information and the fraudulent charge that created this issue. This account must be removed enclosed in my credit profile with Trans Union must be updated accordingly.

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 — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
XX/XX/XXXX : received notice from 'Lakeview ' using contact information for 'Mr. Cooper ' -- notice dated as XX/XX/XXXX, stating payment was due .. on XX/XX/XXXX. 
Requested debt verification and after a long trip in the postal system the 'Mr. Cooper ' entity received 2 certified copies of a letter from me requesting debt verification on XX/XX/XXXX, consisting of : original account numbers, copy of original contract and license numbers to legitimately perform debt collection within North Carolina and the associated contact name listed for the license. 
Meanwhile - I continued to receive notices from the bank I secured my mortgage with, requesting data, providing information and etc. 
The company 'Mr. Cooper ' proceeded to try my number only during work hours twice and call my mother on 4 different occasions, refusing to say why but demanding information and scaring her ( and me, once I found out ). 
XX/XX/XXXX- the " company '' 'Mr. Cooper ' reached out to say they'd received my letters, sent another bill on the same day and proceeded to give the date 'no later than XX/XX/XXXX ' that they would respond with the information I requested. 
Today is XX/XX/XXXX and I received a notice of default but no debt verification data as they promised there would be. 
The longer this goes on, the more suspect it looks and what was an original twinge of doubt is full blown worry about whether this company is legitimate. Others have noted, on forums, that they got notices from this entity for which they were never able to contact a human. 
I understand not all companies have human customer service ; but a mortgage is a big deal to me and should be easily verifiable and I don't understand dragging this out and fear mongering if you are, in fact, legitimate.

I'm not just paying some random entity that may just be people that are crafty with a printable pdf that show up in my mailbox. We have enough issues with fake fastpass letters coming to many people in our community.

All I requested was verification that they do in fact service my mortgage as they hold my original contract and appropriate license within the states they operate within etc. to which they have not responded as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my 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 2025-11-10 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: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I am filing this complaint against Aldous XXXX for illegally and inaccurately reporting a collection account on my XXXX  credit report for an alleged XXXX XXXX balance of {$230.00}. 
I have never received a single written validation or verification of this account, despite sending multiple certified dispute letters to both Aldous XXXX and XXXX. 
Under FDCPA 809 ( b ), once validation is requested, collection activity must stop until written proof is provided yet Aldous continues to report this account and has even threatened legal action by phone. This is a clear violation of my rights under the FCRA, FDCPA, and XXXX XXXX data-furnishing standards, I have never had an account with XXXX, I've never even heard of the company Aldous is reporting this as verified with no documentation, no contract, no billing statement, and no proof of ownership. This is hearsay reporting illegal and deceptive. 
If the company can not provide proof of debt ownership and validation within 15 days, I will pursue legal action for willful noncompliance under FCRA 616617 and FDCPA 813.

Company response to consumer: Closed with explanation