vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am disputing a collection account being reported by The CCS Companies XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ), with an original balance of {$250.00}, now showing as {$0.00} and marked as " settled '' or " paid for less than full balance. '' This debt was allegedly settled in 2021, yet the account continues to be reported as a collection account, and in some bureaus ( XXXX ) with derogatory marks such as " XXXX '' ( CO ) status. This is misleading, outdated, and inconsistent across the bureaus : XXXX reports SETTLEMENT ACCEPTED ON THIS ACCOUNT Experian shows Charge-Off with inconsistent dispute commentary XXXX shows Account disputed but fails to update the payment status correctly I have disputed this account multiple times, yet it continues to be reported inaccurately, violating : FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting inaccurate or outdated information FCRA XXXX ( XXXX U.S.C. XXXX ) Failure to reinvestigate disputes in a reasonable manner XXXX XXXX Guidelines Improperly coded charge-off vs. paid settlement statuses FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy If this debt is paid and settled, it should not be coded as a collection account, especially if a settlement was accepted and confirmed. The ongoing reporting of a derogatory collection or charge-off status despite {$0.00} balance and resolution is misleading and harming my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-09 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: AZ

Complaint narrative:
The Fair Credit Reporting Ac

t ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: AZ

Complaint narrative:
The Fair Credit Reporting Ac

t ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bepensa Capital, Inc.
State: IN

Complaint narrative:
My vehicle was totaled and my gap Insurance paid the remaining loan balance despite this the lender is still reporting that I owe XXXX I filed a gap insurance claim after my car was totaled gap insurance confirmed the claim was approved and paid in full Ive provided proof to the lender but they continue to say I owe a balance and are trying to collect and reporting a balance on my credit report this is causing damage to my credit and emotional distress account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute & Request for Compensation for Financial and Business Damages To Whom It May Concern, I am writing to formally dispute the actions taken by Bank of America regarding my account ( ending in XXXX ) and the resulting financial and personal damages I have suffered due to the banks negligence. 

Background of the Issue On XX/XX/XXXX, I deposited {$2700.00} in cash into a Bank of America ATM. However, the ATM receipt incorrectly recorded only {$2000.00}. The following business day, I visited my local branch to report the discrepancy. I was directed to contact your claims department, and after explaining the issue, I was issued a temporary reimbursement of {$720.00} ( Claim # XXXX ). 

Approximately 30 days later, I received a letter from Bank of America stating that the ATM was short {$700.00} and that the reimbursement had been reversed. Despite my requests for a review of ATM footagewhich would have clearly shown me depositing the full $ XXXXBank of America refused to review the footage or provide further assistance. 

Subsequently, my account was closed and reported to XXXX, severely impacting my ability to open a bank account, obtain business loans, and continue operating my business. Due to this wrongful reporting, I was : XXXX. Denied banking access for XXXX years ( XXXX reporting ). 
XXXX. Prevented from obtaining business loans and credit necessary for my business operations. 
XXXX. Left vulnerable to fraud, as I was unable to monitor and protect my credit properly. 
XXXX. Suffered significant emotional distress and financial hardship due to Bank of Americas negligence.

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 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for the mortgage to purchase my dream house on XX/XX/year> from TD bank. 
However, the experience has been marked by unnecessary delays fabrication of information by the underwriter and a lack of clear communication, leading to my application being rejected only after the commitment letter was issued over XXXX months ago. The underwriter 's actions have raised concerns, particularly regarding the deliberate and significant delay as well as fabrication of the client 's information and apparent lack of transparency. 

Specifically, I am troubled by the following : XXXX. Excessive Delay : Despite receiving the commitment letter from TD Bank, it took over XXXX months for the underwriter to communicate the rejection of my loan application. 

XXXX. Unexplained Rejection : When the rejection was finally communicated, no clear reason was provided, leaving me with no understanding of the factors that led to this outcome. 

XXXX. Last-Minute Requests and Inconsistencies : Just XXXX week before the scheduled closing date, the underwriter pointed out discrepancies in documents that had already been submitted, which had not been flagged earlier in the process. This has caused significant disruption to the transaction. 

XXXX. Misleading Information : On the day the closing was missed, I was still led to believe that my loan could be approved, only to be told later that it would not be, leaving me in a position where I am now liable to pay penalties to the seller. 

XXXX. Fabrication of information- XXXX week before the closing day, the underwriter at TD bank claimed that my voter registration is at Address A which is not true. I have never applied for voter registration at Address A how did the underwriter come up with that information? 

The handling of this loan application has not only caused financial harm due to penalties but also undue emotional and logistical stress. I request that TD Bank thoroughly investigate the underwriter 's actions in this case to determine whether there was any intentional delay, unprofessional rejection, or failure to act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear XXXX XXXX Systes/JCS ; I am disputing the accuracy and validity of an alleged collection account from XXXX Credit Card ( Account # : XXXX ) reporting a balance of {$1100.00}. I have no contract, agreement, or prior relationship with XXXX or any original creditor related to this tradeline. I never opened or authorized this account. 

Despite not being validated or verified, this account is being reported across all three major credit bureaus ( XXXX, XXXX, XXXX ) as seriously past due, assigned to collections, and placed with an internal collections department. However : I never received any communication, billing statements, or disclosures from XXXX. 

I was not provided a validation notice per FDCPA 809 ( b ) ( 15 U.S.C. 1692g ).

The tradeline contains inaccurate reporting, such as payment status inconsistencies, Open account vs. Installment, and improper coding under Metro 2 standards.

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate or unverifiable.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to reasonably investigate prior disputes.

FDCPA 807 & 809 ( b ) Misrepresenting a debt and failing to validate it before collection.

15 U.S.C. 1692e, 1692f Prohibiting deceptive or unfair practices in debt collection. 

I have repeatedly requested validation but have not received any signed agreement, proof of liability, or legal documentation establishing a relationship with XXXX. Reporting this account without such documentation is not only misleading, but has had a negative impact on my credit and health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute and express my concern regarding your continued reporting of inaccurate information on my credit report, despite multiple dispute attempts and supporting documentation I have provided.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), also known as Code 1620 O, credit reporting agencies are required to conduct a reasonable reinvestigation of any item in a consumers file that is disputed. You are also legally obligated to delete or correct inaccurate, incomplete, or unverifiable information within 30 days of the dispute filing.

To date, you have failed to delete the incorrect item ( s ), which are clearly inaccurate and have been disputed in writing with supporting evidence. Your inaction is a violation of the FCRA and is causing ongoing harm to my creditworthiness, emotional distress, and potential financial loss. 



I am requesting that you : 1. Immediately delete the inaccurate item ( s ) from my credit report.

2. Provide a written confirmation of the actions taken as a result of this complaint.

3. Cease and desist from further reporting of the disputed information unless it can be fully verified.

Should you fail to take immediate corrective action, I reserve the right to pursue legal remedies and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 



Please consider this letter formal notice of your violation, and govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2025-04-09 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-09 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-09 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: MI

Complaint narrative:
The XXXX addresses below don't belong to me. Please remove them and thank you XXXX ) XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XXXX XXXX CT XXXX XXXX MI 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 2025-04-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TN

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading reporting by XXXX XXXX XXXX XXXX XXXX on my credit report. 
The creditor is reporting a charge-off on my account as if it occurred repeatedly each month, instead of as a one-time event. A charge-off is a single accounting action, not an ongoing monthly delinquency. This repeated reporting is misleading and inflates the negative impact on my credit. 
I have attempted to dispute this with both the creditor and the credit reporting agencies. However, the issue has not been corrected, and the account continues to be reported inaccurately. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and not misleading. 
I am requesting the CFPB to assist in resolving this matter and ensure the account is accurately reported with a single charge-off date and no repeated monthly charge-off entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear MIDLAND CREDIT MANAGEMENT INC, I am writing in response to your call, regarding the alleged debt referenced as XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. 
Please provide the following information : 1. Verification that you have the legal right to collect this debt.

2. The name and address of the original creditor.

3. A detailed breakdown of the amount owed, including any fees or interest.

4. Copies of any signed agreements or contracts proving my obligation to this debt.

5. Proof that the debt is within the statute of limitations.

Until proper validation is provided, I request that all collection activities be ceased, including reporting to credit bureaus. Please send your response in writing to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation