vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
Dear CFPB, I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverified information on my credit report. The following items are being reported without proper validation or court verification. These entries are causing severe and unjust harm to my creditworthiness.

I have already submitted disputes to the credit bureaus, but the results have not resolved these inaccuracies. Therefore, I am requesting the CFPBs assistance in enforcing compliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ, XXXX This address has no association with me. It is being falsely reported and must be removed to ensure my credit file only includes verified and accurate information. 
XXXX XXXX XXXX Acct # XXXX Open Date : XX/XX/XXXX High Credit : {$300.00} I never opened an account with XXXX XXXX showing this information. This charge-off is inaccurate and unverifiable under FCRA 611 ( a ) ( 5 ). 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Credit : {$0.00} A charge-off with a XXXX balance is contradictory and unverified. Please validate the details or remove immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Unpaid Balance : {$300.00} I have no association or authorization for this Xfinity Mobile account. This listing appears fraudulent or incorrectly reported. Please delete if unverifiable. 
Bankruptcy Filings Chapter XXXX Docket # XXXX Date XXXX : XX/XX/XXXX This appears to be a duplicate of the earlier XX/XX/XXXX entry with altered details. Duplicate and inconsistent entries are misleading and must be deleted for accuracy under FCRA XXXX ( b ). 
Chapter XXXX Docket # XXXX Date XXXX : XX/XX/XXXX Another duplicate record with a slightly modified identifier. It creates confusion and gives a false impression of multiple bankruptcies. Please verify or delete immediately. 
Requested Action : I am asking the Consumer Financial Protection Bureau to : XXXX. Investigate these accounts and public records with the relevant furnishers and credit reporting agencies. 
XXXX. Compel the removal of any unverifiable, inaccurate, or duplicated information.

3. Ensure that all future reporting related to my credit file follows the accuracy standards under the FCRA ( 15 U.S.C. 1681e ( b ) ).

I am attaching copies of my identification and proof of address for verification. I respectfully request confirmation once this complaint has been reviewed and assigned to the appropriate department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 XXXXXXXX XXXX XXXX  XXXX Sunrise, FL XXXX XXXX : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Asunto / Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am filing a formal dispute regarding the account XXXX XXXX XXXX XXXX XXXX reported by TransUnion, Experian, and Equifax under account number XXXX, showing a charge-off status with a balance of {$1600.00}. 

This account is being reported inaccurately and unfairly in violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Specifically : The reported charge-off status and past due amount are inconsistent across all three credit bureaus. 
The account was closed by the credit grantor, yet it continues to appear with an active charged off balance beyond the date of closure. 

The dates of delinquency and updates differ among agencies, raising concerns about the accuracy and verification of the data furnished.

Under FCRA 1681i ( a ), I request an immediate reinvestigation of this account and verification directly with the data furnisher ( XXXX XXXX XXXX XXXX XXXX  XXXX ). If the information can not be verified within 30 days, it must be deleted from my credit file with all credit bureaus. 

I also request written confirmation of the investigation results and the updated report once corrections are made. 

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 2025-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Identity fraud. Theft by unknown party of {$170000.00} from HELOC with transfer to our checking account followed by XXXX wire transfers of funds to unknown parties. We were never advised or called by Bank of America regarding such a large deposit or the wire transfers! We stumbled on to this activity by chance and raced to local bank branch to freeze checking account. We were successful in stopping the activity and saving BOA {$29000.00}. We had no knowledge how unknown thrives accessed our account. We never approved any HELOC activity. The bank however that we somehow benefitted by this activity whatsoever! I am an XXXX XXXX XXXX XXXX veteran with a legally XXXX XXXX XXXX XXXX wife! We are not thieves! We have been customers of BOA for 52 years without issues. The banks lack of professionalism is effecting our everyday life and our credit rating! 
Can you please help us? 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 2025-11-08 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: TX

Complaint narrative:
Subject : Reinsertion & Inaccuracy Dispute XXXX XXXX XXXX Account Dear TransUnion/Equifax , I am writing to file a formal dispute regarding the reinsertion and reporting of a collection account from XXXXXXXX XXXX  ( Account Balance : {$5400.00}, Date Opened : XX/XX/XXXX ). 

This account has already been disputed within the past XXXX  days. The other credit bureaus have removed this same account due to verification failure, confirming that the data could not be properly verified. However, TransUnion/equifax continues to report this collection, which creates a material inaccuracy and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). 

The FCRA mandates that information furnished to credit bureaus be complete and accurate across all reporting agencies. When one bureau deletes an item due to unverifiable or inaccurate data, continued reporting by another bureau constitutes a failure to maintain reasonable procedures to ensure accuracy. 

I am therefore requesting : The method of verification, including the name, address, and telephone number of the furnisher contacted for verification. 

The date and source of verification used in your reinvestigation.

If TransUnion/equifax can not provide both items within 15 business days, this account must be deleted immediately from my credit file as required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ) ( B ) ( iii ). 

Please provide written confirmation of your findings and actions taken. 

Sincerely, XXXX XXXX XX/XX/XXXX, last four ssn is 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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've sent XXXX different letters having this XXXX XXXX  to stop harassing me under the Fair Credit act they refused to do so intimidating me at XXXX and XXXX : XXXX on a Sunday morning as well as everyday I don't owe this money there was a fraud committed to me by the credit card company I pay my bills and because of the incompetent attitude I sent them the document necessary for XXXX of exchange I understand that there is no money it is monetary notes which is a Federal reserve Note

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Unverified Collection, False Reporting, Metro-2 Violations A collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to both XXXX  and TransUnion in XXXX with a rental application. I was denied the rental unit and later received a full refund of my deposit, confirming that no debt ever existed and no outstanding balance was owed. Despite the refund and confirmation that the matter was resolved, XXXX XXXX XXXX XXXX XXXX reported a balance and continued collection reporting. I disputed this account with both consumer reporting agencies under FCRA XXXX, requesting debt validation and review for XXXX accuracy and CDIA compliance XXXX Still XXXX  nor TransUnion provided legally sufficient validation the debt nor a proper Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). And the account remains despite being unverified. Key Issues : No legally valid debt deposit refunded Collection continued after account was resolved Failure to provide proof of the alleged debt Failure to provide method of verification Metro-2 data reporting conflicts Metro-2 Compliance Failures Observed The tradeline reporting appears non-compliant with Metro-2 standards, including : No supporting documentation for the alleged obligation Conflicting dates ( DOFD, date of last activity, placement ) Incorrect status codes and dispute handling Balance reporting after confirmed deposit refund Missing or inaccurate Metro-2 base segment data fields Failure to furnish accurate dispute codes per CDIA guidelines Federal & State Law Concerns These actions appear to violate : FCRA 611 failure to conduct proper reinvestigation FCRA 623 inaccurate reporting after notice FCRA 607 ( b ) duty to ensure maximum possible accuracy FDCPA 809 ( b ) continued collection without validation California Civil Code 1788.17 unfair collection practices Consumer Harm Experienced : Due to the inaccurate and unverified reporting, I suffered : Negative credit score impact Loss of housing opportunity Emotional distress and financial inconvenience Requested CFPB Action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: ID

Complaint narrative:
I had been sued by this same law firm for an old credit card debt last year and was not given a chance to defend myself. This time I did not even receive a notice of intent or anything I only received a letter from a court not even in my county saying they are going to garnish my wages again. I do not even know what original credit card company this debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: SC

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, that is considered identity theft. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False Reporting, Metro-2 Violations A collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to both Experian and XXXX  in XXXX with a rental application. I was denied the rental unit and later received a full refund of my deposit, confirming that no debt ever existed and no outstanding balance was owed. 
Despite the refund and confirmation that the matter was resolved, XXXX XXXX XXXX XXXX XXXX reported a balance and continued collection reporting. I disputed this account with both consumer reporting agencies under FCRA 611, requesting debt validation and review for Metro-2 accuracy and CDIA compliance . 

Still Experian nor XXXX  provided legally sufficient validation the debt nor a proper Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). And the account remains despite being unverified.

Key Issues : No legally valid debt deposit refunded Collection continued after account was resolved Failure to provide proof of the alleged debt Failure to provide method of verification Metro-2 data reporting conflicts Metro-2 Compliance Failures Observed The tradeline reporting appears non-compliant with Metro-2 standards, including : No supporting documentation for the alleged obligation Conflicting dates ( DOFD, date of last activity, placement ) Incorrect status codes and dispute handling Balance reporting after confirmed deposit refund Missing or inaccurate Metro-2 base segment data fields Failure to furnish accurate dispute codes per CDIA guidelines Federal & State Law Concerns These actions appear to violate : FCRA 611 failure to conduct proper reinvestigation FCRA 623 inaccurate reporting after notice FCRA 607 ( b ) duty to ensure maximum possible accuracy FDCPA 809 ( b ) continued collection without validation California Civil Code 1788.17 unfair collection practices Consumer Harm Experienced : Due to the inaccurate and unverified reporting, I suffered : Negative credit score impact Loss of housing opportunity Emotional distress and financial inconvenience Requested CFPB Action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I had been sued by this same law firm for an old credit card debt last year and was not given a chance to defend myself. This time I did not even receive a notice of intent or anything I only received a letter from a court not even in my county saying they are going to garnish my wages again. I do not even know what original credit card company this debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing a XXXX credit card account XXXX Portfolio Recovery Associates ( PRA ) continues to report under an incorrect address. 

On XX/XX/year>, I mailed a Debt Validation Request to XXXX, followed by additional letters on XX/XX/XXXX and XX/XX/XXXX requesting validation and correction of the wrong address they used ( XXXX XXXX, XXXX, TX ). XXXX mailed XXXX responses ( XX/XX/XXXX and XX/XX/XXXX ) that repeated the incorrect address and failed to include a signed agreement, billing history, or documentation proving ownership or liability. 

On XX/XX/year>, I called PRA to ask why this account is still reporting incorrectly. The representative said the results favored them because I supposedly did not provide sufficient documentation. I explained that I had already submitted my drivers license and proof of address showing the XXXX, TX address is not mine. She confirmed the account is under XXXX and XXXX, advised me to contact the XXXX Department, and said she would start an internal re-dispute. 

Despite this, PRA continues to report the account inaccurately. I am requesting CFPB review and intervention to ensure PRA stops reporting or deletes this account until full validation and address verification are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NY

Complaint narrative:
Viking Client Services is attempting to collect {$6200.00} for rental car damage from XX/XX/XXXX. 

PROBLEMS : - XXXX XXXX XXXX XXXX never sent me an invoice or bill- I only received rental charges invoice ( {$380.00}, paid in full ) - Damage was caused by hit-and-run while vehicle parked ( not my fault ) - I had XXXX  XXXX XXXX  X primary rental insurance - Filed insurance claim XX/XX/XXXX ( Claim # XXXX ) - Insurance requested documentation from XXXX - XXXX never provided required XXXX XXXX XXXX claim could not be completed due to XXXX 's failure - Sixt had XXXX contact with me for 18 months - Viking collection letter ( XX/XX/XXXX ) was FIRST notice of charges - I was denied opportunity to dispute with XXXX or work with insurance I have now re-submitted the collection letter to my insurance company, which may resolve this. However, Viking is attempting collection without : - Proof Sixt invoiced me before collections - Itemized repair documentation - Validation I'm liable for third-party damage Viking has documented pattern of similar practices ( see XXXX reviews XXXX. 

I dispute this debt and demand validation per FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 am writing to formally submit a complaint regarding multiple serious inaccuracies in my credit report maintained by various financial institutions. These inaccuracies have caused significant distress and have potential adverse effects on my creditworthiness. 

Specifically, the following issues require immediate investigation and correction : Incorrect Address Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX This address is not associated with me and is incorrectly reported on my credit file. 

Inaccurate Account Information ( Late Payments and Charge-offs ) : XXXX  XXXX XXXX Reported late payments ; account history is inaccurate. 

{$920.00}, Opened XX/XX/XXXX {$5100.00}, Opened XX/XX/XXXX XXXX XXXX  XXXX Reported as Charge-Off ; I dispute this account and have no record of this status. XXXX XXXX : {$1200.00}, Opened XX/XX/XXXX XXXX  XXXX Reported late payments ; account history is inaccurate. High Balance : {$3500.00}, Opened XX/XX/XXXX XXXX  XXXX Reported late payments ; High Balance : {$24000.00}, Opened XX/XX/XXXX XXXX  XXXX Reported late payments ; High Balance : {$31000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported late payments ; High Balance : {$290000.00}, Opened XX/XX/XXXX Unauthorized Inquiries : XXXX  XXXX Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX I request the CFPB to : Conduct a thorough investigation of these inaccuracies. 

Ensure the removal or correction of any incorrect addresses and account histories. 

Investigate unauthorized inquiries and ensure they are removed from my credit file. 

These inaccuracies are highly concerning and are causing substantial harm to my financial reputation. I expect prompt action to correct these records in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this matter. I look forward to your confirmation and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I asked American Express twice, on XX/XX/year> and XX/XX/year>, to open and re-open a dispute for a charge of {$360.00} to XXXX for wrongful charge for checked luggage. XXXX had told me the luggage fee is waived due to my XXXX status but then charged me almost 5 times the usual charge for checked luggage ( ~ {$75.00} ).

Company response to consumer: Closed with explanation