vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX apt XXXX ] [ Sunrise, Florida XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To Whom It May Concern, This letter serves as a formal dispute of several inaccurate, misleading, and unverifiable items currently being reported on my consumer credit files in violation of federal law. This includes but is not limited tolate payments, collection accounts, and charge-offs.

I am fully aware of my rights under theFair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681 et seq., and theFair Debt Collection Practices Act ( FDCPA ) ,15 U.S. Code 1692 et seq.These laws exist to protect consumers from inaccurate reporting and to ensure the integrity of the information being furnished and published by consumer reporting agencies.

Under15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct areasonable reinvestigationof any item disputed by a consumer. According toCushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), a consumer reporting agency violates the FCRA if it fails to go beyond the original source when conducting its reinvestigation.

Further, inDennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the courts ruled that merely parroting information from the furnisher does not constitute a reasonable investigation.

The following accounts are in dispute : ( list account below ) [ XXXX XXXX XXXX ] Account # [ XXXX ] Late Payments [ XXXX XXXX/ XXXX  ] Account # [ XXXX ] - Late Payments [ XXXX XXXX XXXX ] Account # [ XXXX ] Collection Account [ XXXX ] Account # [ XXXX ] Charge-Off

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 2025-08-03 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: FL

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX apt XXXX ] [ Sunrise, Florida XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To Whom It May Concern, This letter serves as a formal dispute of several inaccurate, misleading, and unverifiable items currently being reported on my consumer credit files in violation of federal law. This includes but is not limited tolate payments, collection accounts, and charge-offs.

I am fully aware of my rights under theFair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681 et seq., and theFair Debt Collection Practices Act ( FDCPA ) ,15 U.S. Code 1692 et seq.These laws exist to protect consumers from inaccurate reporting and to ensure the integrity of the information being furnished and published by consumer reporting agencies.

Under15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct areasonable reinvestigationof any item disputed by a consumer. According toCushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), a consumer reporting agency violates the FCRA if it fails to go beyond the original source when conducting its reinvestigation.

Further, inDennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the courts ruled that merely parroting information from the furnisher does not constitute a reasonable investigation.

The following accounts are in dispute : ( list account below ) [ XXXX XXXX XXXX ] Account # [ XXXX ] Late Payments [ XXXX XXXX/ XXXX  ] Account # [ XXXX ] - Late Payments [ XXXX XXXX XXXX ] Account # [ XXXX ] Collection Account [ XXXX ] Account # [ XXXX ] Charge-Off

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I made a large payment to my Capital One credit card, which cleared my bank, but Capital One placed a hold on the funds and wont release the full amount until several days later. This hold is causing me financial hardship because I need access to my funds for groceries and bills. Ive contacted Capital One multiple times, but they have not resolved the issue or expedited the release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: MD

Complaint narrative:
Today is XX/XX/year>. 

On XX/XX/year>, I received a deceptive phone call from XXXX XXXX at First Federal Credit Control , Inc. regarding a debt I did not recognize. XXXX never explained the source of the debt. Instead, she asked me to email her with the XXXX balances she mentioned during the calla tactic that felt intentionally misleading and manipulative. 

I emailed her the same day, requesting validation and documentation, including insurance payment details. Rather than mailing a formal validation notice as required by law, XXXX simply replied by email on XX/XX/XXXX. Less than XXXX hours later, on XX/XX/XXXX, she reported the account to the credit bureaus as a collection account. 

Yes, within XXXX hours of receiving her email, which was the first and only notification from this company. 

XXXX XXXX and First Federal Credit Control violated the Fair Debt Collection Practices Act ( FDCPA ) by : Failing to mail a validation notice within five days of the initial contact ; Continuing collection efforts and credit reporting without verifying the debt after my written request ; Using deceptive and predatory tactics in their communication and handling of this account. 

They also violated the Fair Credit Reporting Act ( FCRA ) by : Reporting a debt that had already been paid by my auto and health insurance carriers ; Failing to mark the account as " disputed '' on my credit report. 

This conduct was not only unlawfulit was predatory and unethical. I am requesting that this collection account be immediately removed from my credit report and that this agency be held accountable for their violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing as a consumer to formally request a review and correction of certain information listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I would like to dispute the following items : see attached

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing as a consumer to formally request a review and correction of certain information listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I would like to dispute the following items : see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CT

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations and has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with XXXXXXXX XXXX or any of the affiliates. I have confirmed and advised XXXXXXXX XXXX that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how XXXXXXXX XXXX approved a credit under my name, without doing any further review and confirmation. Given the fact that XXXXXXXX XXXX has the right to investigate and obtain all necessary information prior to approving any credits, XXXXXXXX XXXX has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, XXXXXXXX XXXX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that XXXXXXXX XXXX must comply with prior to approving any credit card/lines to anyone. Pursuant to XXXX XXXX  's online advertisement, XXXX XXXX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from XXXXXXXX XXXX stating that my information was used or attempted to be used in order to open an account. Thus, XXXXXXXX XXXX has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, XXXXXXXX XXXX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's XXXX diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for XXXXXXXX XXXX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a notice on XX/XX/XXXX saying I owe XXXX {$390.00} but they banned me XXXX XXXX from using their services in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : 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 XXXXXXXX XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Re : Account Number [ Insert Account Number ] Subject : Request for Debt Validation Under FDCPA 809 To Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt.

Please provide the following information : Proof that I am legally obligated to pay this debt ( e.g., a copy of the signed contract or agreement ).

A detailed breakdown of the debt, including : The original creditors name and address.

The amount of the original debt.

Any interest, fees, or charges added and how they were calculated.

The date the debt allegedly became due.

Verification that your company is licensed to collect debts in my state.

Any documentation showing you have the legal right to collect this debt.

Until you provide proper validation, I dispute this debt and request that you : Cease all collection efforts.

Do not report this debt to any credit bureaus.

Remove any existing reports if the debt can not be validated.

Additionally, if this debt has been sold or transferred, provide documentation proving the chain of ownership.

Under the FDCPA, you must cease collection activities until you provide verification. Failure to comply may result in legal action.

Please send all correspondence in writing to the address above. I do not authorize phone calls regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My employer is on my credit report.I do not want my employer on my credit report.This is involuntary information.I have also to the credit bureaus multiple times not to add my employer on my credit report.

This causes harassment and may leak in the wrong hands. I am a XXXX XXXX XXXX and I never know if my ex may work for a credit bureau.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XXXX  - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report.

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 2025-08-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX TO : Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX RE : FORMAL IDENTITY THEFT DISPUTE AND XXXX BLOCK REQUEST IMMEDIATE REMOVAL REQUIRED ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX Account No. XXXX Balance Reported : {$2000.00} Status : Closed Date Opened : XX/XX/XXXX Dear Credit Bureau XXXX Department, This letter serves as a formal dispute and identity theft affidavit under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c2 ], regarding the fraudulent XXXX XXXX XXXX XXXX account appearing on my credit report. I am demanding the immediate removal of this account, which does not belong to me and was the result of identity theft stemming from the well-documented XXXX Equifax XXXX XXXX XXXX XXXX over XXXX XXXX Americans, including myself. 

I have no knowledge of this account, I have never applied for nor authorized any credit with XXXX XXXX XXXX XXXX, and I am exercising my rights under FCRA Section 605B to have this fraudulent account blocked and permanently deleted from my credit file.

UNDER FCRA SECTION 605B, I HEREBY DEMAND : 1. Complete and permanent removal of this account within 4 days of receipt of this notice. 
XXXX. No reinsertion of the account without strict adherence to Section 611 ( a ) ( 5 ) ( B ), which requires written certification from the furnisher and advanced notice to me.

3. A full reinvestigation, and deletion per FCRA 611 [ 15 U.S.C. 1681i ] if the information can not be verified with accurate, non-fraudulent documentation. 
XXXX. A written response confirming compliance within XXXX ( XXXX ) business days of receiving this letter. 

You are legally obligated to block and remove any account resulting from identity theft when a consumer provides : A valid identity theft report ; Proof of identity ; A written statement requesting the block. 

Enclosed are the following documents for your records and compliance : Copy of my government-issued photo ID Identity Theft Affidavit filed with FTC This XXXX request pursuant to Section 605B FAILURE TO COMPLY Be advised that any continued reporting or reinsertion of this inaccurate and fraudulent account may constitute a willful violation of the FCRA, and may expose you to damages under 15 U.S.C. 1681n, including actual damages, punitive damages, and attorneys fees. 

Refer to Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) which affirm your duty to conduct a reasonable investigation and act with due diligence.

This is your legal notice under the FCRA and will be used as evidence of willful non-compliance if I am forced to take further action. I am demanding full compliance with no extensions, excuses, or delays. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation