vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
I submitted a formal Identity Theft dispute to Equifax on XX/XX/XXXX, regarding fraudulent accounts in my credit report : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Despite providing Equifax with proper identity theft documentation ( including an FTC Identity Theft Report, ( FTC REPORT XXXX XXXX : XXXX and FTC REPORT NUMBER XXXX : XXXX ) government-issued ID, and proof of address ), Equifax failed to permanently block these accounts within the required four business days under FCRA 1681c-2 ( a ). 
Further, accounts that were previously deleted have been reinserted into my credit report without providing the legally required five-day reinsertion notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). 
I requested a detailed explanation of the dispute investigation methods as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) but Equifax has not provided this information. 
I have reason to believe Equifax is relying solely on creditor responses submitted through the e-OSCAR system without obtaining or reviewing the original signed contracts that would substantiate these accounts. This process does not satisfy Equifaxs legal obligation to conduct a reasonable investigation under the FCRA. IF EQUIFAX CAN NOT OBTAIN THE ORIGINAL SIGNED CONTRACT FOR THESE ACCOUNTS, ALONG WITH EVIDENCE INDICATING THAT I SIGNED DISCLOSURES AUTHORIZING THE RELEASE OF THIS INFORMATION TO THIRD PARTIES WHICH SUPPORTS THE CONCLUSIONS OF THE INVESTIGATION, THEN THESE ACCOUNTS MUST BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS UNVERIFIABLE. 
Supporting Evidence : FTC Identity Theft Report Government-issued ID Proof of Address Dispute letters and Experians responses Thanks for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, I attempted to deposit {$5200.00} in cash at a Bank of America drive-through ATM while parked in my white XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. I placed the cash into the machine, and before the deposit could complete, the ATM froze and rebooted mid-transaction. Apparently the machine did not credit the funds to my account. Definitely did not return the money, and left no receipt, error message, or confirmation. I recorded the ATM failure on video as it happened just in case a situation like this arose because I initially naively assumed the transaction might have completed behind the scenes, but I eventually realized the funds were gone and unaccounted for in either of my accounts : XXXX Video : XXXX XXXX XXXXXXXX XXXX XXXX with XXXX  XXXX XXXX XXXX  XXXX XXXX I filed a dispute on XX/XX/XXXX, but the representative who submitted it entered the wrong date for the transaction, which further delayed and complicated the review. The claim was soon denied without explanation ( XX/XX/XXXX ). I declined to refile to avoid giving the appearance of a new claim and instead had the original one reopened the following day ( XX/XX/XXXX ). I was informed the case was escalated to XXXX XXXX, Executive of Customer Relations, who was said to be my final point of contact. As of this complaint, I have received no response from him just a call from someone representing him telling me hes not in right now and hed be back around Friday of last week XX/XX/XXXX. During my most recent call, a supervisor named XXXX retail banking coach ( employee ID XXXX ) was uncooperative and evasive, refusing to give full identification or assist meaningfully. Her tone and conduct reflected a lack of care for a customer undergoing a serious dispute process. Bank of America has failed to provide : ATM audit logs Reconciliation records Surveillance footage Any documentation or reasoning supporting denial Any provisional credit, even after 10+ business days as per Regulation E Multiple former banking employees have stated publicly that : The machine could have dispensed my deposit to the next customer, or The cash may have been stolen by the first employee who accessed the machine, especially if the reboot wiped transaction logs. This is not a customer error it is a banking system failure. BoAs ATM took my money and failed to return or record it, and they have offered no proof to the contrary. This ordeal has also taken a deep emotional and financial toll. That was money I had set aside to stabilize my finances, and now Im struggling to keep up with bills. It feels like Im fighting an invisible current, caused by an institution I trusted.

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 2025-06-25 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: WV

Complaint narrative:
XXXX. XXXX XXXX XXXX ( XXXX Accounts {$750.00} & {$420.00} ) I am disputing XXXX collection accounts being reported by XXXX XXXX XXXX. I sent a written request for validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( F

CRA 611 ). LVNV has failed to provide any signed contracts, itemized balances, or original account-level detail.

The continued reporting of these accounts, without valid proof, violates FCRA 623, which requires furnishers to report only accurate, verifiable information. I am requesting immediate removal of both accounts from my credit report due to failure to validate. If the accounts can not be verified, they must be deleted under the law. Please investigate and ensure compliance. 



XXXX. XXXX XXXX ( XXXX Accounts {$580.00} & {$610.00} ) I am disputing XXXX collection accounts from XXXX XXXX. I submitted written validation requests, as permitted under FDCPA 809 ( b ), but received no supporting documentation. This includes lack of signed agreements, full billing breakdowns, and legal transfer of debt ownership.

Under FCRA 611, a consumer has the right to dispute inaccurate or unverified accounts. XXXX XXXX has failed to comply with this obligation and is currently in violation of FCRA 623. I am requesting that these accounts be deleted from my credit reports due to non-verification, in accordance with federal law.

3. Jefferson Capital Systems LLC ( {$1400.00} ) I am filing a formal complaint against Jefferson Capital Systems for reporting an unverified debt. I exercised my right to request validation under FDCPA 809 ( b ), and no sufficient evidence was provided no contract, no billing details, no verification from the original creditor.

The continued furnishing of this account is a violation of FCRA 623. I am requesting this account be fully deleted from my credit reports, as it can not be verified. Under FCRA 611, the bureaus and furnishers must delete unverifiable information after a proper dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ok Im in XXXX XXXX  and I paid off a car loan that had me and. My mother who was a co-signer and using the photos there is an alert stating activity. 
And my veteran status. But today I ask for a loan for {$8.00}, XXXX with XXXX XXXX still on possession of the title and using my tax free XXXX from monthly and with $ XXXX debt {$15000.00} paying off that loan was denied under hardship conditions for {$8000.00} as a XXXX XXXX and Im going through hardship and I had no one to help accords And I have XXXX inquires from XXXX XXXX due to a computer error for a secured credit card and why would there be XXXX inquires a technicial errors thats cause false

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 2025-06-25 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: TX

Complaint narrative:
Ok Im in XXXX XXXX  and I paid off a car loan that had me and. My mother who was a co-signer and using the photos there is an alert stating activity. 
And my veteran status. But today I ask for a loan for {$8.00}, XXXX with XXXX XXXX still on possession of the title and using my tax free XXXX from monthly and with $ XXXX debt {$15000.00} paying off that loan was denied under hardship conditions for {$8000.00} as a XXXX XXXX  and Im going through hardship and I had no one to help accords And I have XXXX inquires from XXXX XXXX due to a computer error for a secured credit card and why would there be XXXX inquires a technicial errors thats cause false

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 2025-06-25 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: TX

Complaint narrative:
Ok Im in XXXX XXXX  and I paid off a car loan that had me and. My mother who was a co-signer and using the photos there is an alert stating activity. 
And my XXXX  status. But today I ask for a loan for {$8.00}, XXXX with navy federal still on possession of the title and using my tax free XXXX from monthly and with $ XXXX debt {$15000.00} paying off that loan was denied under hardship conditions for {$8000.00} as a XXXX XXXX and Im going through hardship and I had no one to help accords And I have XXXX inquires from XXXX XXXX due to a computer error for a secured credit card and why would there be XXXX inquires a technicial errors thats cause false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To XX/XX/XXXX TransUnion [ Insert relevant bureau address ] Subject : Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XX/XX/XXXX Account Number : XXXX Dear :XX/XX/XXXX / TransUnion I am writing to formally dispute inaccurate information appearing on my credit report regarding my student loan account with DEPT OF EDXX/XX/XXXX( AccounXX/XX/XXXXXXXX ). According to the report, the account reflects three 90-day late payments, despite the remark " Payment deferred '' being listed.

As a consumer, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that only accurate and verifiable information be reported. This account was in a deferred status, meaning no payments were required during that period. Therefore, reporting any late payments while the account was in deferment is inaccurate and misleading.

I request that this matter be investigated and the incorrect late payment history be removed from my credit report. Attached are any supporting documents indicating my payment status and deferment agreements if needed.

Please complete this investigation within the 30-day timeframe as outlined in the FCRA and provide a written response confirming the results of your review. If the item can not be verified, it must be deleted from my report.

Thank you for your time and assistance. 
Sincerely, 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 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : Equifax / XXXX XXXX XXXX [ Insert relevant bureau address ] Subject : Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear : Equifax / XXXX XXXX XXXX I am writing to formally dispute inaccurate information appearing on my credit report regarding my student loan account with DEPT OF ED/XXXX ( Account XXXX XXXXXXXX ). According to the report, the account reflects three 90-day late payments, despite the remark " Payment deferred '' being listed.

As a consumer, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that only accurate and verifiable information be reported. This account was in a deferred status, meaning no payments were required during that period. Therefore, reporting any late payments while the account was in deferment is inaccurate and misleading.

I request that this matter be investigated and the incorrect late payment history be removed from my credit report. Attached are any supporting documents indicating my payment status and deferment agreements if needed.

Please complete this investigation within the 30-day timeframe as outlined in the FCRA and provide a written response confirming the results of your review. If the item can not be verified, it must be deleted from my report.

Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 am not reliable for this debt with XXXX XXXX XXXX, i do not have a contract with this company, they did not provide me with the original contract as i requested, this debt is not mine please remove

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: CA

Complaint narrative:
b"There were several transactions that were made in a different state, when I contacted the company several times they didn't help me, they kept saying I have to wait for something in mail that never came. Then they denied my claim without investigating or giving me any answers. \nDates. Of charges.           AmountsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
So I paid a dept for a company now that company sold that account after I paid it and this other company is trying to collect the same amount but added another company I have never had or heard of, and now they have filled a judgement to. Garnish my checks This is wrong And XXXX  and XXXX  and XXXX  have allowed this in my credit 15 Usc1692

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint against Midland Credit Management for illegally reporting a negative account ( XXXX XXXXXXXX ) on my credit report, which is severely impacting my ability to secure credit and purchase a new home to support my family. This unjust reporting has caused me significant financial and emotional distress. 

The debt collector failed to notify me of the alleged debt prior to reporting it, did not assume its validity, and never obtained my permission to include it on my credit report. This violates my rights under the Fair Debt Collection Practices Act ( FDPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to send a written validation notice within five days of initial communication, and 15 U.S.C. 1692e, which prohibits false or misleading representations, including unauthorized reporting. Under the FDCPA, debt collectors are held to strict liability for such violations, meaning they are liable for damages regardless of intent, as affirmed in cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the Supreme Court limited the bona fide error defense to clerical or factual errors, not legal ones. 

Relevant case law further supports my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that failure to provide proper notice and validation of a debt before reporting it to credit bureaus violates the FDCPA, rendering such reporting unlawful. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held that a debt collectors assumption of debt validity without consumer consent or notification is an unfair practice. 

I demand that Midland Credit Management immediately cease reporting this account ( XXXX XXXXXXXX ) to all credit bureaus and remove it from my credit report. I also request a written confirmation of compliance within 30 days. Additionally, I demand a copy of the forward flow agreement and all supporting documentation, including but not limited to the original creditors records, proof of debt ownership, validation of the debt, all communication attempts, and any legal authorization to report this debt. Failure to comply will compel me to pursue further legal action, including seeking statutory damages up to {$1000.00}, actual damages, and attorney fees under FDCPA provisions ( 15 U.S.C. 1692k ) for the harm caused by this strict liability violation. 

Please assist me in resolving this matter. My contact information is below, and I authorize the CFPB to share this complaint with Midland Credit Management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for a response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX BANK # XXXX - Date Opened XX/XX/year> 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-06-25 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: OH

Complaint narrative:
I have been a victim of identity theft and my personal information was released to the public via the EQUIFAX DATA BREACH. Someone was able to open accounts without my authorization or consent and I need these accounts permanently blocked and deleted from my credit file immediately. I submitted proof of being a victim of the equifax data breach. ive sent disputes more than 30 days ago and you still have failed to investigate which is infringement on my consumer rights. these accounts must be removed immediately.

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