vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: DC

Complaint narrative:
Receivables Management SYS XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX SSN : -- -/ -- XXXX XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested Receivables Management SYS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone XXXX ( XXXX ) XXXX Subject : Formal Dispute and Cease & Desist Notice Account N Dear Receivable Management, I am submitting this dispute letter under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. y 681 ct seq., regarding the above-referenced account that you have reported or attempted to collect. 
The account in question has been reported without my knowledge, authorization, or written consent. I have never provided permission for any entity to furnish, obtain, or use my personal information in connection with this account. Under 15 U.S.C. 51681b, a consumer 's information may not be obtained or furnished unless a permissible purpose exists. In this case. there is no such permissible purpose.

Therefore, I am requesting that your office : l. Conduct a reasonable investigation as required by 15 U.S.C. S1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MS

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-21 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: AL

Complaint narrative:
Subject : Formal Dispute Accuracy/Completeness, Metro-2 Compliance , and Data-Privacy Concerns Dear TransUnion : Pursuant to FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( incl. 623 ( a ) ( 5 ) DOFD ), I dispute the following accounts. Several show re-aging, improper past-due on collections/COs, contradictory Open/Closed/owner coding, and inconsistent late counters. Provide a full method of verification and ensure compliance with GLBA XXXX. 
Disputed tradelines ( TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ( open ). XXXX absent ; confirm assignment ; ensure no past-due field. 
XXXX XXXX XXXX XXXX XXXX {$2200.00} ( open ). Past-due appears on other bureaus and DLA  XXXX XXXX with XXXX  open potential re-aging ; provide DOFD/chain-of-title. 
XXXX XXXX  ( CO {$4900.00} ) & XXXX XXXX  ( CO {$1400.00} ) Both closed/CO but reporting past-due equals balance ; remove past-due on COs ; verify DOFD ; align Status/Payment Rating/CCC ; reconcile DLA XXXX. 
XXXX ( CO then sold ; {$0.00} ) After sale, OC line must show {$0.00}, accurate DOFD, and no ongoing derogatory metrics ; ensure no duplicate derogatories. 
XXXX XXXX XXXX  XXXX CO {$140.00} ) Remove past-due on closed CO ; verify DOFD ; align Metro-2. 
XXXX ( Closed {$0.00} ; As Agreed ) Remove erroneous Negative/In Dispute flags ; correct CII as appropriate. 
XXXX XXXX ( Auto, Open As Agreed ) System still flags Negative/In Dispute and shows conflicting late counts ; reconcile payment grid to factual history.

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 2025-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second formal request for the removal of an unauthorized credit inquiry that continues to appear on my Equifax credit report. I previously submitted a written dispute and have yet to receive any confirmation that a reinvestigation has been completed. 

Upon reviewing my personal credit report dated XX/XX/year>, I identified the following inquiry that was not authorized by me in any way : 1. XXXX Date of Inquiry : XX/XX/year> This inquiry was not authorized, and I have never applied for credit or given consent to this entity. Please delete it immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I checked my TransUnion credit report and see few inaccurate report in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am filing this complaint because my creditor is reporting late payments on my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified. I have already disputed this information directly with the credit bureaus and the furnisher ; however, the late payments remain on my credit report without proper validation or documentation. 

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report only accurate and verifiable information. Additionally, under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable investigation within 30 days of receiving a dispute and to delete or correct any information that can not be verified. Neither the furnisher nor the credit bureaus have provided sufficient evidence to support the continued reporting of these alleged late payments. 

It is very important that this matter be reinvestigated and that the inaccurate information be deleted or corrected immediately in compliance with federal law. I request written confirmation once the investigation is complete, along with documentation showing how the information was verified and by whom.

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 2025-10-21 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I signed a contract XXXX with XXXX XXXX  and GoodLeap for solar panels to be placed on my home. The loan with GoodLeap was for {$55000.00} with 1.98 % interest. GoodLeap placed a Notice of Commencement on my property. The solar company XXXX XXXX  installed the solar panels within the same week. XXXX XXXX never returned to complete the process or the home inspection. XXXX XXXX  went out of business. I was left with the loan. GoodLeap attempted to hire a new contractor to finish completing the installation. However, the new contractors refused to provide a new installation contract to complete the work. I am not willing to allow another company to work on my home under the old contract with XXXX XXXX  as they are no longer in business and filed for bankruptcy. XXXX XXXX  were found liable. I need assistance with resolving this issue on my credit report and Notice of Commencement on my property. I was scammed and left with the loan. Please let me know if you can assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing an incorrect delinquency reported by XXXX to the credit bureaus. 

I have been a XXXX customer since XX/XX/XXXX, using two phone lines ( XXXX and XXXX ) under XXXX XXXX, and XXXX XXXX for internet service. 

In XX/XX/XXXX, I switched my mobile service from XXXX XXXX to XXXX due to network issues, but I have continued my XXXX XXXX XXXX XXXX without interruption. 

However, about 12 months ago, I discovered through my credit report that XXXX has been reporting a monthly unpaid balance of about {$72.00} since XX/XX/XXXX. 

I contacted both XXXX XXXX and XXXX XXXX customer service multiple times. After full investigation, both departments confirmed that there are no outstanding balances or delinquencies on my accounts. XXXX also issued a written confirmation ( correction letter ) stating that there is no delinquency. 

I submitted all supporting documentsincluding XXXX correction letter and account recordsto Equifax during my dispute process, but Equifaxs reinvestigation result still claimed the delinquency was valid. 

I have verified directly with XXXX that no such delinquent account exists, which indicates that XXXX may have reported incorrect information to the credit bureaus. 

This inaccurate reporting is negatively affecting my credit score and financial standing. 

I request that CFPB investigate XXXX inaccurate reporting to the credit bureaus ( including Equifax and others ) and ensure this false delinquency record is corrected and removed from all my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Equifax regarding an inaccurate and unverified collection account reported by XXXX XXXX XXXX XXXX XXXX FL for {$1500.00} ( Account ending in XXXX ). 

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ( A ) ), Equifax was required to investigate and provide the results of my dispute within 30 days. Equifax failed to respond within that legal timeframe.

Later, Equifax stated that the account was verified as reported, but has not provided any documentation or proof of how the verification was done, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 1 ).

This is a violation of the Fair Credit Reporting Act. I am requesting that the CFPB require Equifax to immediately delete this unverifiable account and pr
ovide written confirmation.

I have attached copies of my dispute letters, Equifaxs response, and certified mail receipts as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company : Citibank , N.A . 

Product : Checking account Issue : Closing an account I can't get my money back Date the problem started : [ XX/XX/year> ] Account number : [ XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - COMPLAINT DETAILS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank is refusing to release my positive balance of approximately {$64000.00} in my checking account, which is scheduled for closure.

FACTS : 1. I deposited {$70000.00} [ date/method, e.g., wire/cash ] into my Citibank account, resulting in a {$64000.00} balance.

2. I attempted a transfer, but it failed : " Couldn't verify account. '' Citibank sent a reference number [ insert # ] for escalation.

3. I received a letter stating my account would be closed [ date from letter ]. 

4. Today [ XX/XX/year> ], I spoke to a supervisor who said : " You won't get a check '' and " We'll send a letter explaining why. '' No check has been issued despite positive balance. 
This violates : Citibank Deposit Agreement ( 15 ) : Must mail cashier 's check for remaining positive balance post-closure.

Federal Regulation E/Truth in Savings Act : Can not withhold verified funds without cause.

AML holds are temporary ( 3090 days max for verification ) $ XXXX deposit was legitimate. 


I'm facing hardship, I have moved to Florida and can not buy a car. Without a car I can't find a job, pay my bills and the rend I demand the following : 1. Immediate mailing of cashier 's check for {$64000.00}.

2. Written confirmation of hold lift and closure details.

3. Compensation for delays/fees ( $ 100+ ).

I have escalate to Citibank Executive Office Response Unit for resolution in 5 business days.

Attachments : [ receipt, transfer fail screenshot, closure letter, reference # letters and screenshots ].

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> A XXXX deposit for XXXX was send using my phone number that was once associated with my Capital One 360 checking account, that account has been PERMANTLEY RESTRICTED, and should have never excepted the transaction. Capitol One has refused to either return the funds to the sender or release them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Accounts ending in XXXX and XXXX supposed to be removed from my XXXX  and equifax credit report their is a federal trade commission identity report on file normally the two negative accounts will be removed right away instead of 30days my social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SERVICEMAC, LLC
State: NJ

Complaint narrative:
I am submitting this complaint under 12 C.F.R. 1024.35 ( Reg X ) for a servicing transfer error and inaccurate credit reporting. 
My mortgage ( Loan # XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ) was transferred to ServiceMac , LLC effective XX/XX/year>, and later to XXXX XXXX  on XX/XX/year>. 
During the 60-day transfer window, I made my payment to the prior servicer on time, yet ServiceMac reported my account 60 days delinquent and applied late fees in violation of 12 U.S.C. 2605 ( d ) ( 2 ) and 12 C.F.R. 1024.33 ( c ). 
Additionally, the XX/XX/year> escrow analysis was inaccurate after I paid the full escrow shortage of {$900.00} ; my monthly payment was not adjusted accordingly. 
These errors have negatively impacted my credit and created unnecessary financial hardship.

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 2025-10-21 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:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MS

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 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 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 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 FRAUDULENT INQUIRIES : EXPERIAN XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2025-10-21 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2025-10-21 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are late payments for XX/XX/year> & XX/XX/year> reporting on my credit report from XXXX XXXX XXXX  that need to be 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