vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Costello Sury & Rooney, P.C.
State: IL

Complaint narrative:
I am filing a complaint regarding a debt collection issue involving my homeowners association XXXX XXXX XXXX XXXX, XXXX, IL ) and their collection attorney. I formally disputed the alleged debt in writing on XX/XX/year>, and again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Despite my timely written dispute, the attorney has refused to provide the required debt validation under the FDCPA and has continued collection activity by adding additional fees and insisting the debt is valid without providing documentation. 

Key facts : - I have lived in the XXXX for XXXX  years with no issues. 
- Due to a bill-pay error, XXXX payments did not process. 
- I paid the outstanding amount on XX/XX/XXXX, and my bank shows the check was delivered before I received any collection notice. 
- The attorney then returned my payment instead of applying it. 
- The attorney added attorney fees, late fees, and mailing fees stating debt must be paid in full ( which I did, unaware of any collection issues ) The attorney has refused to provide : - Copies of delinquency notices allegedly sent - Proof of mailing They stated : We will not be removing charges. No other response is necessary or required, which does not satisfy FDCPA requirements. 

Management refuses to discuss the issue and directs me back to the attorney. 

FDCPA concerns : - Continuing collection activity while the debt is disputed ( 1692g ( b ) ) - Failure to provide debt validation upon request - Potential misrepresentation of the amount or legal status of the debt I am requesting CFPB assistance in obtaining proper validation and having the improper fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me.

Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. 

The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Identity Theft XXXX  XXXX - Please remove it from my credit report. 

These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX  - Please correct/update this inaccurate information on my credit report. 

These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - Please correct/update this inaccurate information on my credit report. 

Identity Theft XXXX XXXX XXXX- Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me.

Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. 

The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Identity Theft XXXX  XXXX - Please remove it from my credit report. 

These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX  - Please correct/update this inaccurate information on my credit report. 

These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - Please correct/update this inaccurate information on my credit report. 

Identity Theft XXXX XXXX XXXX- Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account listed is inaccurate and sThe account listed is inaccurate and should not be reported under my name.hould not be reported under my name.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX while on cruise my and wife 's account was hacked and charges were made that we did not do. As soon as we realized we filed fraud complaints with navy federal credit union. The following are the charges in dispute. XXXX XXXX  XXXX  in flight wifi, XXXX XXXX  XXXX  flight ticket, affirm charges XXXX and XXXX and XXXX and XXXX and XXXX and XXXX a note about affirm we do use them but the above charges were not us. And XXXX XXXX for XXXX. The bank denied claims due to it matching so called spending habits. Again we were on a cruise so could not being flying at same time. Also we have t mobile as our cell company not XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am a consumer requesting a reinvestigation of the accounts listed below. These items are being disputed due to possible inaccuracies and incomplete reporting. Please verify each account according to the FCRA and XXXX XXXX reporting standards. Any account that can not be fully verified should be corrected or removed. 
Charged-Off Accounts XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX Date : XX/XX/XXXX Balance : {$13000.00} XXXX Account : XXXX Date : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
These accounts are not part of my credit history ; delete them within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, Ga XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX RE : Debt Validation Request / Account To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and require that you provide full verification before any further collection efforts or credit reporting continue.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed contract that legally binds me to this debt.

2. A complete itemized statement showing how the total balance was calculated, including all charges, payments, fees, and dates.

3. Copies of any photographs or reports of damages that contributed to the claimed balance.

4. Proof of your authorization or assignment from the original creditor to collect this debt on their behalf.

5. The name and address of the original creditor if different from the listed above.

Until this requested information is provided, you must cease all collection activities and stop reporting or updating any information regarding this alleged debt to the credit bureaus ( Equifax, Experian, and TransUnion ). 

Under 15 U.S.C. 1692g ( b ), you are required to provide proper validation of the debt. If you fail to furnish this information within a reasonable time, or if sufficient proof can not be provided, I demand that any reference to this debt be immediately deleted from all credit reporting agencies and that I receive written confirmation of such action.

Please note that any attempt to collect this debt without proper validation will constitute a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my social security card and my drivers license was stolen and a perpetrator used my identifying information to open up fraudulent accounts in my name. the fraudulent inquiries are from : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> The XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX credit - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> please see ftc report number : XXXX I requested equifax the credit reporting agency to remove these fraudulent inquiries from my report, however, they refused to do so. I am requesting the cfbp to mandate equifax to remove these fraudulent inquiries from my credit report as they are a direct result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREENSKY OPERATIONS, LLC
State: NY

Complaint narrative:
My documents were stolen in 2003, My identity has been compromised, as a result of that several accounts have been opened without my authorization. I am unaware of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am disputing the following items on my Experian report because they appear to be inaccurately reported, incomplete, or unverifiable. I am requesting a reinvestigation and proper validation. Any item that can not be verified following FCRA guidelines should be deleted immediately. 

CHARGED OFF Accounts in Dispute ( XXXX ) XXXXXXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Acct : XXXX Date : XX/XX/XXXX Balance : XXXX INQUIRIES ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL CFPB Complaint Reference : XXXX To Whom It May Concern : This is a formal complaint regarding XXXX  continuing to report a disputed, fraudulent, and unverified account despite months of prior disputes, an FTC Identity Theft Report, and a police report already submitted. Their continued furnishing of inaccurate data is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s 2 ), the Consumer Financial Protection Act, and multiple CFPB guidance requirements for furnishers. XXXX has failed to conduct a lawful investigation after multiple notices and continues to publish damaging information to my credit file with reckless disregard for accuracy. This behavior constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o. I am requesting immediate CFPB intervention, as I am preparing escalation for willful damages, statutory damages, and legal relief. I demand this account be permanently removed from all bureaus and that XXXX be compelled to provide documentation of compliance regarding all prior disputes. Their failure to correct known inaccuracies after receiving police and FTC reports demonstrates bad faith furnishing and systemic violations. I request immediate action on this matter. 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a phone to truist bank to defer my Auto loan payment to XXXX, due to the fact that I'm head of house hold, recently lost my job XXXX weeks ago. I have XXXX kids and I'm struggling to make ends meet! When i spoke with truit bank about the auto loan they told me they can't help me out until i have a job, which if i had a job i wouldn't ask to defer my payment. I've been with truist bank since i was XXXX I'm XXXX XXXX XXXX and honestly can't believe truist would comment the way they did.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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