vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is complete and accurate. I am requesting a thorough review of these entries, and if any can not be verified as correct, I ask that they be removed from my report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my fourth formal and good-faith request for a thorough reinvestigation and correction of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. I am not requesting deletion if the accounts can be verified, but I do request that all late payment information, balances, and reporting history be accurately reflected. Upon completion of the reinvestigation, I request a written explanation of the findings and a copy of my updated credit report showing all verified corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. You are required to conduct a reasonable reinvestigation of these accounts, including contacting the account furnishers to verify the accuracy of the reported late payments. If verification can not be obtained, or if the information is found to be inaccurate, it must be corrected or updated.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
EMERGENCY XX/XX/year> XXXX XXXX  Just spoke to XXXX rep on recorded line. 
I said : Federal law only allows 24-hour hold on payroll ACH. You said may place a hold, but you DID place a 7-day holdthats illegal. 
Rep went DEAD SILENT for 4 seconds, then stuttered and changed subject.

This is the 4th recorded admission they know the hold is illegal. 
Still holding final {$1000.00} of my {$2000.00} paycheck deposited 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX continues to report a student loan account under their name XXXX XXXX/DOFED ) on my credit reports as of XX/XX/XXXX, showing a balance of {$140000.00} and a payment status of XXXX days late. 
However, when I filed a complaint with the CFPB on XX/XX/XXXX, XXXX responded on XX/XX/XXXX that the complaint does not belong to them. 
If the company is denying ownership of this account, then the information they are furnishing to the credit bureaus is unverifiable and must be deleted. 
Despite their denial, the credit bureaus ( XXXX XXXX and TransUnion ) still list XXXX as the active servicer and furnisher of this account. 
This creates a direct conflict between the CFPB record and the credit reporting data. 
These actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) for furnishing inaccurate or unverifiable information and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) for false representation of a debt. 
I am requesting that the CFPB require the deletion of this unverifiable XXXX account from all credit bureaus and compel the company to cease all inaccurate reporting. 
Timeline : XXXX XXXX XXXX Loan originally opened XX/XX/XXXX Multiple written validation requests sent to XXXX XX/XX/XXXX Last recorded payment XX/XX/XXXX CFPB complaint submitted XX/XX/XXXX XXXX responded account does not belong to them XX/XX/XXXX Credit bureaus still show XXXX reporting active delinquent account Evidence attached : Current credit report screenshot showing XXXX/DOFED account Prior correspondence and dispute letters to XXXX CFPB complaint acknowledgment

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: 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: PA

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. 

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX Account name : XXXX XXXX has violated my rights.

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, states a consumer reporting agency can not furnish an account without my written instructions.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: DE

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). On or around XXXX, I received a collection notice from this company attempting to collect an alleged debt. In response, I sent a Refusal to Pay letter via certified mail on XX/XX/year>, Certified tracking XXXX clearly instructing them to cease communication and to stop any further collection activities, in accordance with 15 USC 1692c ( c ) and 12 CFR 1006.6 ( c ). Despite receiving that letter, they continued collection activity by furnishing negative information to consumer reporting agencies a clear violation of my cease notice, and a direct breach of 12 CFR 1006.18 ( b ) ( 3 ) and 12 CFR 1006.34 ( c ). To date, I have received no proper validation of the debt, which is required under FDCPA 809 ( b ). The account remains reported on my credit file. Their actions constitute willful noncompliance with the FDCPA and FCRA. By furnishing unverified information and ignoring my written refusal to pay, they have caused reputational harm and placed inaccurate data on my consumer report without proper legal authority. I am demanding : Immediate deletion of the collection account from all consumer reporting agencies. A full explanation of how and why this account was reported after a written cease and refusal to pay. Written confirmation that the account has been permanently removed and will not be sold, reassigned, or transferred. If this is not resolved promptly, I am prepared to take legal action to protect my consumer rights and pursue damages under 15 USC 1692k, 1681n, and 1681o.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On my Transunion credit report, XXXX XXXX XXXX reported my account as 30 days past due, which caused my FICO score to decrease by XXXX points. This reporting is inaccurate, unauthorized, and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ).

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX with 60 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report inaccurately lists a collection account with XXXXXXXX XXXX XXXX dated XX/XX/year> for {$860.00}. I dispute the validity and accuracy of this account, as I have no record of owing this debt in the reported amount, and the reporting does not match my personal financial records.

Under 15 U.S. Code 1692 ( c ) ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1681 ( FCRA ), collection agencies and credit reporting agencies are legally obligated to ensure that any debt reported is accurate, verifiable, and properly substantiated. If a consumer disputes a debt, the furnisher must provide proper validation of the debt, including the original account information and amounts owed. I have reason to believe that this account was reported inaccurately and that Equifax has failed to conduct a proper verification prior to listing it on my credit report.

I previously attempted to dispute this collection with Equifax, but the responses I received were insufficient, providing only generic statements that the account was verified as accurate without presenting any supporting documentation. Equifax is required under the FCRA to conduct a reasonable reinvestigation and ensure that the reported information is accurate and complete.

This inaccurate collection has harmed my credit score and my ability to access credit. The presence of unverified and erroneous collections is a serious detriment to consumers, both financially and emotionally.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection agency is inaccurately reporting an auto repossession on my credit report as if it recently closed, even though the repossession actually occurred in 2019. The accounts status date or date closed keeps being updated to make it appear more recent, which is misleading and negatively affects my credit.

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), as it re-ages the account and extends the time the negative information stays on my credit report.

I have already confirmed the original repossession date with the lender. I am requesting that the CFPB review this issue and ensure the furnisher and credit bureaus correct or remove the inaccurate information.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting an investigation and correction of inaccurate or potentially incomplete information regarding the following accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. Please review the following accounts for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX a deposit from my XXXX life savings account was made available in my account with an amount of {$580.00}, I made a few transactions that left my available balance of {$210.00}. On XXXX r XXXX my deposit from XXXX of {$2400.00} was made available in my account. I immediately transferred {$670.00} to my Savings account. Not once did I NOT have enough in my account to spend where my account became XXXX?? - However I see on my online banking transactions showing I have a deduction of the XXXX?? - I transferred the {$670.00} back into my checking on XX/XX/XXXX which increased my Checking account balance. I specifically kept {$1700.00} in my account before I transferred back the {$670.00} because I had plans to only use that amount as I went away on a date night weekend. I made a few purchases and bill payments some automatic and others manual. Upon review I noticed I was missing funds and fully reviewed my account and saw they have deducted- {$490.00}?? With no notice breaking the reason for such deduction I do not have any low balance alerts or notices attached to my account advising of any coverage or reason for such. This is also reflected on my bank statement recently mailed to me showing when I deposited or transferred rather the amount from checking to savings. This seems very sketchy and my money should be returned immediately since all funds were accounted for and I never once was negative for any recovery to be deducted.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app wont reverse XXXX  scams. I asked bank. Still waiting on them. It was {$150.00} and {$340.00} scammed

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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is being submitted by XXXX XXXX XXXX, XXXX, as the authorized representative of consumer XXXX XXXX, pursuant to a duly executed Limited Authorization and Assignment Agreement dated XX/XX/year>. The respondent, BANK OF AMERICA, has willfully violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report and furnish inaccurate, unverifiable, and misleading credit information regarding the account numbered XXXX Despite receiving XXXX XXXX formal dispute and demand for verification, the respondent failed to produce any documented proof of its legal right to collect, report, or maintain these alleged accounts. Its failure to respond within the statutory timeframe and to provide verifiable evidence constitutes direct noncompliance with FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ), as well as deceptive reporting under FDCPA 807 ( 8 ).

The respondents continued furnishing of unverified and inaccurate information to XXXX, XXXX, and XXXX  demonstrates a reckless disregard for its obligations under federal law and has caused substantial harm to the consumers credit reputation, financial standing, and peace of mind. BANK OF AMERICAs silence and refusal to correct or delete unverifiable data clearly show intentional negligence and a pattern of systemic noncompliance. Their conduct has resulted in the ongoing communication of false and misleading credit data, impairing the accuracy and integrity of the national credit reporting system. 

Accordingly, the complainant requests that the Consumer Financial Protection Bureau take immediate regulatory action compelling BANK OF AMERICA to delete all unverified accounts from the consumers credit reports, provide written confirmation of such deletions, and produce all documentation previously relied upon for verification. The complainant further requests that the Bureau investigate this furnishers continued violations of the FCRA and FDCPA, impose appropriate civil and administrative penalties, and ensure full compliance with consumer protection statutes. Pursuant to FCRA 616 and 617, the consumer also seeks compensatory and statutory relief for emotional distress, reputational injury, and financial loss caused by the respondents willful and negligent misconduct.

This complaint and all supporting documentation are filed under the valid authority of XXXX XXXX XXXX, XXXX, as the authorized and limited assignee for XXXX XXXX XXXX, and are submitted in good faith for the purpose of enforcing his federal rights and compelling lawful corrective action by the respondent.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : [ XXXX ] Email : XXXX Date : XX/XX/year> Billing Department / Patient Accounts XXXX XXXX XXXX Subject : Dispute of Collection Active Insurance Coverage on XX/XX/year> Dear Billing Department, I am writing to dispute a collection account that was sent in my name regarding medical services received at XXXX XXXX XXXX on XX/XX/year>. I recently learned that my account was sent to collections ; however, I had active health insurance coverage at that time through XXXX XXXX. 

Please review my account and confirm that the charges were correctly submitted to my insurance provider. If there was any issue with claim processing, I ask that you resubmit the claim to XXXX XXXX and notify the collection agency to remove the account from my credit report. 

For your reference, my insurance information at the time of service was : Insurance Company : XXXX XXXX ID : XXXX Member ID : XXXX I request written confirmation once this issue has been corrected and the collection has been withdrawn. Please contact me if additional documentation is required to resolve this matter.

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation