vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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 2025-12-26 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: IL

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 XXXX 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 XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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.

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 2025-12-26 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:
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 XXXX 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 XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am filing this complaint because Jefferson Capital Systems is attempting to collect a debt that is either inaccurate or time-barred. I received a Warrant in Debt from the General District Court of [ Your County/City ] and a separate collection letter for the same account. 
The alleged debt was charged off and reported as written off on my credit report. The last payment on this account was made on or before [ insert date ], which exceeds Virginias statute of limitations for debt collection ( 3 years for open accounts, 5 years for written contracts ). 
I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) by sending a certified letter on [ insert date ], but Jefferson Capital continued collection efforts and initiated legal action without providing proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
allegedly illegal debt collection, violating consent orders, failing debt validation, harassment, and unwanted calls, texts, and emails after I told them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I hereby demand the prompt removal of all fraudulent information from my credit file. I am a victim of identity theft and did not provide authorization for the accounts or inquiries listed in the attached documentation. This matter has been reported to the Federal Trade Commission ( FTC ), and I have attached a copy of my official Identity Theft Report as required. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documentation. Any continued reporting of this false information constitutes a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This serves as your final warning remove the fraudulent information immediately or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Subject : XXXXXXXX XXXX XXXX XXXX Inaccurate Credit Reporting,  ReAging, and Metro 2 Violations What happened : XXXXXXXX XXXX XXXX XXXXXXXX is furnishing inaccurate, incomplete, and misleading information about my chargedoff credit card account to both Experian and Equifax. The XXXX credit bureaus are reporting different, conflicting, and legally impossible data, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 
I have disputed these errors with both bureaus and contacted XXXX directly, but the information has not been corrected. 

Specific Problems 1. Illegal ReAging of Delinquency Dates The account became delinquent in XXXX, but both bureaus show delinquency events in XXXX : Experian : {$140.00} past due as of XX/XX/XXXX Equifax : Major delinquency first reported XX/XX/XXXX Actual DOFD : XX/XX/XXXX Last Payment : XX/XX/XXXX This is illegal reaging, violating : FCRA 1681c ( a ) ( 4 ) FCRA 1681s2 ( a ) ( 1 ) ( A ) Metro 2 ( DOFD must never be updated ) This artificially extends the reporting period and harms my credit.

2. Reporting a PastDue Amount After ChargeOff Both bureaus show : ChargeOff Status Balance : {$140.00} Past Due : {$140.00} A chargedoff account can not legally report a pastdue amount. 
This violates : FCRA 1681e ( b ) Metro 2 ( no pastdue after chargeoff ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( misrepresenting amount/status of debt ) 3. High Credit / Highest Balance Mismatch The same account shows XXXX different high credit amounts : Experian : Highest Balance = {$340.00} Equifax : High Credit = {$340.00} A furnisher can not report XXXX different high credit values for the same account. 
This violates : FCRA 1681e ( b ) FCRA 1681s2 ( a ) ( 1 ) ( A ) Metro 2 accuracy requirements 4. Misleading Payment History Both bureaus show : Continuous CO ( Charge Off ) codes for multiple years Delinquency events long after the chargeoff This is factually impossible and misleading.

Violates : FCRA 1681e ( b ) CFPB guidance on deceptive reporting

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 2025-12-26 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I added money in my new chime account about 4 years ago, I used my school email, my school disable my email when I no longer worked there anymore. While trying to change email they suspended my account. I called several several times to verify but never got anywhere even with all my documents license social # and talked to several people. Would like my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Auto Finance repossessed my vehicle and failed to provide the legally required postrepossession notice, notice of sale, and documentation of a commercially reasonable sale. These failures violate UCC Article 9 and North Carolina repossession laws. Capital One has a documented history of similar violations, including in XXXXXXXX XXXX Capital One Auto Finance ( XXXX ) and XXXX XXXX Capital One Bank ( XXXX ). 

After repossessing my vehicle, Capital One did not provide : - A postrepossession notice - A notice of disposition ( sale ) - Information about my right to redeem - Details of the sale - Proof that the sale was commercially reasonable Without these notices, I was deprived of my statutory rights and unable to verify the fairness or legality of the sale. 

Legal Violations 1. Failure to Provide PostRepossession Notice Required under UCC Article 9.

Capital One provided no written notice of redemption rights, reinstatement amount, or intent to sell. 

2. Failure to Provide Notice of Sale Capital One did not provide the required notice of disposition, including sale method, date, or location. 
This mirrors allegations in XXXX XXXX Capital One Auto Finance ( XXXX ), where Capital One was accused of failing to provide proper notice of disposition. 

3. Failure to Conduct a Commercially Reasonable Sale Capital One has provided no evidence that the sale met UCC standards. 
In XXXXXXXX XXXX Capital One Bank ( XXXX ), the court found Capital One failed to prove a commercially reasonable sale and reversed the deficiency judgment. 

Harm Suffered - Financial loss - Damage to credit - Loss of statutory rights - Emotional distress - Potentially unlawful deficiency balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am submitting a complaint against FirstPoint Collection Resources for failing to provide debt validation after a timely written request and continuing to furnish information to a credit reporting agency in violation of federal law. 
On dates XX/XX/year>, and XXXX XXXX, I sent FirstPoint Collection Resources a written debt validation requests pursuant to FDCPA 809 ( b ). FirstPoint received my request but failed to provide any validation or verification of the alleged debt.

Under FDCPA 809 ( b ), once a consumer requests validation, the debt collector is required to cease all collection activity, including credit reporting, until proper validation is provided.

Despite failing to validate debt, FirstPoint Collection Resources continues to report this account to Equifax, which constitutes continued collection activity. By furnishing information that has not been validated FDCPA 809 ( b ), FirstPoint Collection Resources is reporting unverified, inaccurate, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and their duties as a data furnisher.

At no time has FirstPoint Collection Resources provided documentation demonstrating, 1. Legal authority to collect or report the alleged debt 2.Ownership or assignment of debt 3.Accuracy of the balance reported 4.An agreement bearing my signature or consent The continuing reporting of this account without validation is unlawful and harmful to my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I had a fraud claim XXXX, letter attached to case. 
I had fraud on my account and notified the bank, they initially sent me a letter saying that they had placed the charges in dispute while they were investigating claim so I Would not be charged or assessed interest or fees and that the funds would not be available during this time which is understandable. I then get a letter dated XX/XX/XXXX stating that they have completed their research on the transactions and the provisional credit they issued was now final. Any remaining fees related to the fraudulent transactions would be refunded as well and not further action was needed. I checked my account today on XX/XX/XXXX and am showing the provisional credit have not been made pernanent like this letter states and the funds are not reflecting as available despite this letter saying that they were. I called customer service several times on XX/XX/XXXX and got the run around with no clear explanation or details as to why. The only thing I was told was their was an availability hold placed on my account by the back office and it would be on the account until XX/XX/XXXX, than an additional 30 days from the date of this letter indicating that my provisional credit was final. I got told the system generated this letter in error, to that it can take an additional 30 days for the credits to process back to my account. I can't get a Clear explanation, why send a letter saying they provisional credits were now final if they aren't, and not being able to call and get hep is another story as well. I would also like to know there is no way to speak to management either, when call customer service and ask for a manager or supervisor the customer service agents tell you that they are supervisors. The 3 calls I made on XX/XX/XXXX all told me they were supervisors when I asked for a supervisor/manager. They are now saying that my funds would not be made available until XX/XX/XXXX which is a month away

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am getting calls from Truist multiple times a month for a loan for a family member. I have asked them to stop calling me 15 or more times. It is not my loan. I do not bank with Truist. They will not stop calling me for someone elses loan.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
XXXX been having issues with this card since getting it. I was blocked from usage of funds immediately and told fraud protection was working on something but it was nothing to work on and then I was actually stolen from by a car rental place and XX/XX/XXXX has helped I've been told I have to do there job for them iv been hung up on lied to and inconvenienced since day XXXX with the run around I've had to go to the main branch to get help and they had to override what fraud protection was doing only to have it blocked again with different excuses. I need some one to investigate my account I'm filing through smal claims this afternoon. I needed some one to look Into calls I've made and my balance and every credit card purchase and balance discrepancy. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter regarding a data breach of my personal information against my mortgage company, XXXX XXXX, and that I was being given 2 years of free identity protection through XX/XX/XXXX. When I tried to log in back in XX/XX/XXXX to the TransUnion website, I was unable to get in and Tech Support also could not rectify the situation then. I was told they would contact me by phone after it was resolved. I never received ANY call back on this issue. 

On XX/XX/XXXX, I tried again to log into my TransUnion account to no avail as I could NOT get a security code via my personal email address. I received an email dated XX/XX/XXXX from XXXX indicating that I could get 2 more years of free identity protection through TransUnion. I called TransUnion and was again sent to Tech Support who walked me though using a different browser than XXXX. It also did NOT allow me access. Then the Tech Support ( XXXX ) indicated that he can delete the account and I can set up a NEW account. However, the new account requires that I have a cell phone in order to move through the setup to a NEW account. Since I don't have a cell phone nor do I have access to one, he indicated that I can no longer have a TransUnion account. He also refused to extend free identity protection services on my account due to the XXXX XXXX identify data breach which is offered on the website to others. I need to access my TransUnion account using my personal email account, NOT ANY CELL PHONE. TransUnion seems NOT to be willing to rectify this situation, nor to address the fact that they seem to have set up the system to REQUIRE a cell phone in order to have an account with them. Am sure there are others who do NOT own a cell phone. I need to access this account as every year my data is being stolen, breached.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
CONTRACT CALLERS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research CONTRACT CALLERS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief