vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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:
My accounts was never late! I have had exceptional payment history with capital XXXX and 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 reported to be removed/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I returned my leased vehicle to my dealership on time, back in XX/XX/XXXX. The vehicle was leased through Ally Financial who, as you will see, has been completely uncooperative in addressing this matter after months and multiple phone calls and emails. After, I got a bill for about {$1800.00} for excess wear, mileage, and a key fob. I paid the bill, on time, for everything other then the fob as I returned both fobs to the dealership. I explained that I returned the fob on the phone in early XXXX which they then opened a dispute on. They told me to email my proof to XXXX which I did on XX/XX/XXXX. The original letter for the balance, the breakdown, and text screenshots with the owner of the dealership confirming that I returned all key fobs however, apparently, Ally closed the dispute on XX/XX/XXXX without telling me or my knowledge. In addition, it was confirmed to me on the phone on XX/XX/XXXX that on XX/XX/XXXX, they received an email from the dealership directly saying I returned the fob however, they did nothing about it and I heard nothing until I got another letter about the balance dated XX/XX/XXXX threatening my credit again. I called back on XX/XX/XXXX when I was told what I wrote above however, was told they would reopen the dispute and that it was recommended I contact the dealer and ask them to send another email. Again, no dispute or claim number was given, no email confirmation that a dispute is pending or open and I was told that they will not follow-up with me on this but it is on me to call back in XXXX  days to check on it. They have written proof from myself and the dealer stating that the key fob was returned yet, because they did not act properly back in XXXX, I am being asked for all of this again when they admitted to having it in front of them. I asked to speak with someone in the disputes department but was told they don't do that. I asked for a transcript or copy of the call recording that they say they have but, they refused to provide that so I can use it as proof of the conversation. I do not want my credit report negatively affected for something I didn't do however, I feel somewhat powerless to prevent that as I've already done everything they asked and this seems to be their error so I'm looking for any help I can get as a consumer. Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-14 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :XX/XX/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 2025-10-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Demand for Removal of Charge-Off and Correction of Credit Reporting Account Number : XXXX XXXX Issue Date ( if known ) : XX/XX/year> To Whom It May Concern, I am writing in regard to the above-referenced account, which you have reported as a charge-off to the credit reporting agencies. Additionally, the IRS shows a Form 1099-C, Cancellation of Debt, issued by your company for this same account.

Under IRS Regulations ( 26 U.S. Code 6050P ), the issuance
of a 1099-C indicates that the debt has been canceled, discharged, or otherwise forgiven. Once a debt is canceled and reported to the IRS as income, the creditor no longer has a legal right to continue reporting the account as an unpaid charge-off or to collect on it.

Continuing to report this account as a charge-off after issuing a 1099-C is inaccurate and misleading, which violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requiring furnishers to report accurate information, and 1681i ( a ) requiring correction or deletion of any incomplete or inaccurate reporting.

Therefore, I am formally requesting : 1 ) Immediate removal of the charge-off status from my credit reports with all credit bureaus ( XXXX, Experian, TransUnion ) XXXX 


2 ) Update of the account to reflect a {$0.00} balance and canceled/closed status consistent with the issuance of the 1099-C.

3 ) Written confirmation that these corrections have been completed. 

Failure to correct this inaccurate reporting constitutes continued violation of the FCRA and IRS regulations. If this matter is not resolved within 15 days, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and the State Attorney General, and I will consider pursuing further legal remedies. 
I expect your full compliance and written confirmation that the account has been updated or removed from all credit bureaus. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Diversified Adjustment Service, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE ACCOUNT : XXXX XXXX  DISPUTES OF DEBT Dear Diversified Adjustment Service, Inc, I am writing to formally dispute the validity of the debt you claim I owe, as referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am entitled to request validation of any debt that is being collected. 
To date, you have not provided any documentation that substantiates the existence or amount of this alleged debt. Specifically, I request the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A copy of any agreement or contract that created this debt. 
XXXX. A detailed account of how this debt was incurred. 
XXXX. Documentation explaining how this debt has been securitized, including any pertinent details regarding securities and the financial transactions associated with my obligation and how I owe this debt to your collection agency. 

Due to the absence of this comprehensive validation, I consider this debt invalid and formally request that you cease all collection activities against me. Additionally, I expect you to refrain from reporting this disputed debt to credit bureaus until you have provided the necessary documentation. 
Furthermore, please be aware that according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that any information reported to credit bureaus is accurate and not misleading. If the disputed debt remains on my credit report without proper validation, I will consider this an inaccurate reporting, subjecting your agency to civil liability. For every day that this inaccuracy remains on my credit file, I will seek {$1000.00} in damages in accordance with my rights under the FCRA, 15 U.S.C. 1681o.

Please respond to this letter within XXXX  days of your receipt. All correspondence should be directed to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I called company and ask to removed this collection from my credit, I made an agreement to pay 50 %. I was told it will take approximately 2 weeks. I would like to request to be removed immediately have a blessed day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have settled all of my accounts with Portfolio recovery, XXXX XXXX, and XXXXXX/XX/XXXXXXXX bought my XXXX account from XXXX XXXX, and XXXX is still showing on my credit report as an individual account. I have paid all 4 companies and settled my accounts. I was told the accounts were going to be deleted from my credit reports, NOT show as charge off. However after waiting the 30 days as instructed, the accounts are still on the credit report. I have disputed this with the credit bureaus, i have contacted the collection companies to ask about this and I do not get an explanation, other than it takes 7 years to come off. That was not the aggreement I made with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
First Citizen Bank has wrote me a threatening, intimidation, and a discrimination letter of what will happen to me if I step foot on there properly with no cause, this letter intended to destroy me and my company has left me no choice but write about there either and conduct. Threatening to close my account and lock me up in jail  in I don't do as there demanded, it's both intimidating and destructive of my business handlings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2025-10-14 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
My credit score is XXXX due to inaccurate reports through my student loan account. Also it's an unexplainable theft charge on my criminal report that I know has to be identity theft. I need to dispute.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-14 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: SC

Complaint narrative:
I am submitting this complaint regarding serious and harmful inaccuracies appearing on my credit reports maintained by the nationwide consumer reporting agencies. These errors are negatively affecting my credit profile, and I demand an immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable federal laws. 

The following accounts and entries are inaccurate, misleading, or unverifiable : Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ( Incorrect, not mine ) XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX ( Incorrect, not mine ) These addresses do not belong to me and must be deleted immediately. 

Incorrect/Disputed Accounts : XXXXXX/XX/XXXX XXXX ) Date opened : XX/XX/XXXX | Original Balance : {$1000.00} Reported late payment. This reporting is false, inaccurate, and unverifiable. 

XXXXXX/XX/XXXXXXXX ) Date opened : XX/XX/XXXX | High Balance : {$3000.00} Reported as Charge Off. This is inaccurate and damaging, and I demand deletion. 

XX/XX/XXXXXXXX ) Date opened : XXXX XXXX, XXXX | Balance : {$40000.00} The reporting is inaccurate and unverifiable. 

Unauthorized Inquiry :XX/XX/XXXXXX/XX/XXXX This inquiry was not authorized by me and should be removed immediately. 

These errors represent clear violations of my rights under the FCRA, as the information being reported is not accurate, not complete, and not verifiable. I have never lived at the addresses listed, and the accounts/inquiries listed above do not accurately represent my credit history. 

I am requesting the CFPBs assistance in compelling the credit reporting agencies and furnishers to : Immediately investigate these accounts and addresses. 

Provide proof of validation for each disputed entry. 

Permanently delete any unverifiable, inaccurate, or unauthorized information. 

If these inaccuracies are not removed, they will continue to cause me significant harm including denial of credit opportunities, higher interest rates, and reputational damage.

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 2025-10-14 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX XXXX XXXX. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation