vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute concerning a collection account currently reported on my Equifax and TransUnion credit file. Despite previous dispute attempts, this account remains inaccurately reported and continues to misrepresent my credit history. I am requesting a thorough reinvestigation and correction of this account in accordance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These repeated inaccuracies create a misleading picture of my financial behavior and affect my creditworthiness. 
XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This letter is submitted through the Consumer Financial Protection Bureau portal as a formal continuation and escalation of my prior dispute. Your XX/XX/2025 response was legally insufficient, non-responsive, and failed to address the documented evidence provided. It also violated your statutory duties under federal law, including : - 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1692e False or misleading representations- Truth in Lending Act ( XXXX ) violations - Contract irregularities and altered disclosures Your response ignored the following critical issues : XXXX. Multiple versions of the contract showing different prices, finance charges, and terms XXXX. Loan amounts inconsistent ( {$17000.00} vs. {$19000.00} ) XXXX. Altered and mismatched XXXX XXXX documents XXXX. Undisclosed fees and inconsistent disclosures XXXX. Electronic signature anomalies and irregular timestamps XXXX. Lack of proof of legal assignment from XXXX XXXX XXXX to Capital One XXXX. Improper payment allocations, unexplained fees, and incorrect late charges XXXX. Capital One stating it was not present at the sale yet enforcing a contract with no verified chain of assignment Because Capital One failed to reasonably investigate or validate the account, continued reporting or collection activity violates XXXX  law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I can not redeem my cash back rewards of {$860.00} from Bank of America. 

As a result of no action taken per Bank of America, my account was closed and access to my rewards was revoked on XX/XX/year>. 

XXXX XXXX and XXXX ( XXXX ) at customer service on XX/XX/year> XXXX, my account was inactive for over XXXX  months and closed. XXXX letters were apparently sent ; I did not receive. Emails were sent to me, which I confirm I received after validating tonight but they were sent to my Promotion box, which I do not get notified of. I have worked hard over the years to earn the rewards amount of {$860.00}. The only reason why I stopped using this card is because of fraud activity ; each time I activated a replacement card, I had to report fraud and request a new one. 

Dealing with fraudulent activity had caused a lot of stress and XXXX  at the time. I did not realize I would have to deal with either fraud or loss of significant amount of money.

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 2025-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KOP Collection Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from a debt collector, Koppel & Associates, XXXX, stating that I owed {$180.00} for a medical bill from XXXX XXXX XXXX XXXX, SC. The email listed an originated date of XX/XX/XXXX and referenced Client Claim # XXXX and XXXX Account # XXXX. 

I dispute that I owe this debt. The underlying medical visit involved provider misconduct by the doctor, and my health insurance denied the claim in connection with that misconduct. I do not believe I should be personally responsible for this balance. 

Within 30 days of receiving the collection notice, on date you sent your email, XX/XX/XXXX, I sent a written dispute and debt validation request by email to the address provided in the notice ( the collectors email ). In that message I clearly stated that I disputed the debt and requested validation, including an itemized bill, proof that Koppel & Associates has the right to collect, and any agreement showing I am personally liable. 

It has now been more than a month since my dispute, and I have not received any validation or documentation from Koppel & Associates. I am concerned that they XXXX still attempt to collect on this account or report it to the credit bureaus despite my timely dispute and the lack of validation, and that I am being pursued for a medical debt tied to provider misconduct from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
I am disputing an account with XXXX XXXX, Account XXXX XXXXXXXX, which appears on my credit report. I never authorized or signed for this account, and I do not acknowledge any responsibility for it. 

Despite my prior dispute, Experian reported the account as verified. They have not provided any documentation or proof showing that I authorized or applied for this account. 

Under the Fair Credit Reporting Act ( FCRA ), verification of a disputed account requires actual supporting documentation. I am requesting that Experian provide detailed proof of how they verified this account, including : XXXX. Copies of any signed or electronically authorized agreements XXXX. Any communications, recordings, or other evidence used to establish my consent XXXX. Chain of ownership of the debt Until such proof is provided, I request that : The account be marked as disputed, or If verification can not be provided, the account be removed from my credit report Supporting documents : Copy of Experians verification notice

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 2025-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XXXX advertises their APY as XXXX  % on the app when it's actually XXXX %. They owe us the extra XXXX  % until they change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was notified on XX/XX/year> by Ally Bank that both my Checking and Savings account would be closed by Ally bank on XX/XX/year> for no apparent reason. I have over XXXX in this financial institution with no negative balances and make over XXXX a year annually in interest. I have no blemishes on my accounts whatsoever and when I called to ask why the account is being closed they would not provide me a reason. Ive had accounts for nearly XXXX years flawlessly and feel as though this is an absolute disgrace this was done the day after XXXX with my account to be closed on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 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: MI

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: MI

Complaint narrative:
Please correct/update this inaccurate information on 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 2025-11-29 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-29 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 submitting this complaint regarding multiple fraudulent items appearing on my credit report, including addresses at XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, IL XXXX, and accounts or inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXX XXXX two entries ) , none of which I opened, authorized, or recognize, indicating that my personal identifying information has been used fraudulently. I am requesting that immediately block and permanently remove all of these fraudulent items pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), cease furnishing this information to third parties, and ensure these items do not reappear unless can provide documented proof that they are legitimate and not the result of identity theft. I am also requesting that notify all furnishers, creditors, or other consumer reporting agencies of the corrections made, in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), to ensure that my credit report is accurate and consistent across all platforms

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 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding multiple inaccuracies that continue to appear on my Experian, Equifax and TransUnion credit report. Despite previous rounds of dispute, the same errors remain, and I am requesting a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), to ensure that all information is accurate, complete, and verifiable. 
First, the addresses listed on my report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, are inaccurate. These addresses do not reflect my current or previous residence history and may be the result of misassociation or clerical error. Under FCRA 609, I am entitled to full disclosure of all reported information, and Experian, Equifax and TransUnion has the responsibility to verify addresses with accurate documentation before reporting them as part of my credit file.

Inaccurate addresses can contribute to misidentification and cause significant harm to my credit profile.

Additionally, the account XXXX XXXX XXXX XXXXXXXX, currently reported as a charge-off with a balance of {$920.00}, is inaccurate. My records do not support the reported delinquency or the current balance. Reporting such inaccurate charge-off information violates FCRA 611 ( a ), which requires Experian, Equifax and TransUnion to conduct a reasonable reinvestigation of disputed information, including verification directly with the furnisher. Any information that can not be fully substantiated must be corrected or removed 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 2025-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: CA

Complaint narrative:
XXXX XXXX, only sent me a bill a month before they were sending it to collections ( XX/XX/XXXX ), XXXX  months after my initial hospital visit ( XX/XX/XXXX ). They did not included any information about low income or reduced payments as per the rights stated XXXX. When attempting to communicate with the hospitals billing department the did not send the itemized bill as requested, just a bill with a subtotal of {$580.00} for the visit and then sent the bill to collections minus the payment I made of {$83.00} ( XX/XX/XXXX ) to them. The debt collector as well Revco XXXX, statement dated XX/XX/XXXX did not provide the notice for free or reduced care that is required by law. I am unable to find the statement I received XX/XX/XXXX at the moment but will include the the one dated XX/XX/XXXX that was supposed the the itemized bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: NY

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
I am submitting this sixth follow-up complaint regarding the charged-off account reported on my Equifax credit file, XXXX Account : XXXX XXXX *, Balance : {$8900.00} XXXX XXXX  which continues to appear despite lacking proper verification and failing to meet federal reporting requirements. This account has no 1099-C or any official documentation to substantiate its legitimacy, making its reporting inaccurate, misleading, and in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Despite my prior disputes and repeated requests for validation, Equifax continues to report this unverified and improperly documented debt, further harming my creditworthiness and violating my federally protected rights. I am formally requesting that Equifax permanently remove this account from my credit report and cease all reporting of it, as continued inclusion constitutes an ongoing violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I can not believe these inaccurate accounts are still listed on my credit report. Nothing was taken off and it is causing me so much anxiety. I am urgently asking that the documents I provided be examined closely so I can finally stop worrying about this situation.

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 2025-11-29 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: GA

Complaint narrative:
I am sending to follow up on a credit report dispute I previously submitted to [ Name of Credit Reporting Agency, e.g., Experian/Equifax/TransUnion ] regarding multiple inaccuracies in my credit report. My initial dispute was submitted on XX/XX/year> and I have yet to receive confirmation that all items have been fully investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I am sending to follow up on a credit report dispute I previously submitted to [ Name of Credit Reporting Agency, e.g., Experian/Equifax/TransUnion ] regarding multiple inaccuracies in my credit report. My initial dispute was submitted on XX/XX/year> and I have yet to receive confirmation that all items have been fully investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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