vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Dear Credit Bureau, ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federa aw to verify - through physical verification of the original accounting records and signe consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information. 
Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities. 
Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed. 
Also these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc. 
Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30 day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( YOU'RE NAME, SSN Ending In XXXX ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating, Section. 617. Civil liability for negligent noncompliance, if you fail to comply with the federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX R

e : Request for Validation of Debt Under the Fair Credit Reporting Act Dear Sir or Madam, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally requesting that you provide validation of the debt you allege I owe. Please be advised that I am exercising my rights under the FCRA to request verification of this debt, including the following : - The original creditors name and contact information - The amount of the debt - The date the debt was incurred - Copies of any documents that substantiate the validity of the debt and your authority to collect it Please provide this validation within 30 days of receipt of this letter, as required by law. Until I receive proper validation, I request that all collection activity be suspended, and that you cease reporting this debt to credit bureaus. Furthermore, under the FCRA, any information you report must be accurate and complete. Should you fail to validate the debt or if the debt is found to be invalid, I expect any negative reporting related to this debt to be corrected or removed from my credit report. Please send the validation documentation to the address listed above. Thank you for your prompt attention to 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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: SC

Complaint narrative:
Your Name [ Your Address ] [ City, State ZIP Code ] [ Phone Number ( optional ) ] [ Email Address ( optional ) ] Date Debt Collectors Name [ Debt Collection Agency ] [ Agency Address ] [ City, State ZIP Code ] Subject : Debt Validation Request under FDCPA To Whom It May Concern, I am writing in response to a notice I received from your agency regarding an alleged debt ( reference/account number : [ Insert Account Number if known ] ), which you claim I owe. I am formally requesting that you provide proper validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I do not acknowledge that I owe this debt. Therefore, please provide me with the following : The name and address of the original creditor. 

The full amount of the alleged debt, including itemization of any interest, fees, or charges. 

A copy of the original signed agreement or contract showing that I am legally obligated. 

Evidence that your agency is authorized to collect this debt. 

A copy of the judgment ( if any ) or verification that this debt is not time-barred under the statute of limitations. 

Confirmation of whether this alleged debt has been reported to any credit reporting agencies. If so, to which agencies. 

Please be advised that, according to federal law, you must cease all collection activities until this debt has been validated. Additionally, if you do not respond within XXXX days, or fail to provide adequate validation, you must cease further attempts to collect and remove any negative reporting related to this debt from my credit reports. 

This letter is sent in good faith and with the expectation that you will comply fully with federal law. I request that all future communication be in writing only. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: KY

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report. In accordance with 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that the disputed information be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX manufactured by XXXX. In XXXX, the engine required major repairs under warranty. Since then, the vehicle has continued to experience serious issues that render it undriveable. 
I have taken the car to three different authorized XXXX dealerships, all of which charged me for diagnostics and attempted repairs, but none have resolved the issue. Each dealership claims they either can't identify the root cause or can not fix it. 
Despite the vehicle being under warranty at the time the issue began, I have not received a working repair. I am now still making car payments on a vehicle that has not been reliably operable for over a year. 
I have contacted XXXX XXXX XXXX and received no meaningful assistance. They have not offered a replacement vehicle, refund, buyback, or proper solution despite their warranty obligations. 
I am requesting that Stellantis : Fully repair the vehicle at no cost OR Provide a full refund or replacement under applicable Lemon Law or warranty terms AND Reimburse the money spent on prior failed repairs and diagnostics I am also filing complaints with the FTC, the Missouri Attorney General, and the Consumer Financial Protection Bureau regarding this situation. I called Capital One and told them the issue that I was having and they didnt provide me any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am disputing all inaccurate, unauthorized, and unverified information appearing on my LexisNexis consumer file. This includes records of automobile insurance policies, insurance claims, driver license data, Department of Driver Services records, inquiries, and entries under the XXXX XXXX XXXX XXXX system. Many of these entries are incorrect, duplicate, or related to identity theft. I never authorized the sharing or reporting of this data and never gave any written or permissible consent for these items to appear in my file. 

On XXXX XXXX XXXX, I submitted an Identity Theft Report, and on XXXX XXXX XXXX, I placed a Security Freeze on my LexisNexis file. Despite these protective actions, LexisNexis has continued to allow unauthorized data entries and insurance records to be reported under my file. I have identified numerous false reports from companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, all of which were added without my consent and are not associated with me in any way. 

I also found unauthorized credit and insurance inquiries, including some backdated ( e.g., XXXX XXXX XXXX with a backdate to XXXX XXXX XXXX ). I have never applied for any products, services, or insurance policies that would warrant these inquiries or listings, and I dispute their validity entirely. 

Under the Fair Credit Reporting Act ( FCRA ), companies are required to maintain accurate information and promptly remove unverifiable or disputed data. I have submitted requests for reinvestigation, but these entries continue to remain on my file. No legitimate verification has been provided. These actions violate both federal law and consumer protection standards, and have caused potential harm to my privacy and consumer standing. 

This dispute includes a demand for permanent deletion of all disputed records, especially those not directly verified with my explicit consent. I have taken the steps to notify LexisNexis of my identity theft, and I have made it clear which data is valid and which must be removed. Failure to address this matter may result in legal action, as noted in my formal legal notice and accompanying documentation. 

I request that this complaint be reviewed and resolved with urgency by a human representative and not a machine, as the complexity of the case involves manual cross-referencing and legal considerations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2025, I submitted a formal dispute to Experian, challenging the accuracy of late payment information being reported on two of my credit accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Equifax credit report shows zero late payments for both accounts, while Experian reports inconsistent and derogatory late payment history. This inconsistency constitutes a violation of FCRA 1681e ( b ), which requires that consumer reporting agencies maintain consumer files with maximum possible accuracy. 

I disputed the accounts formally and requested correction or deletion of the late payment history unless Experian could verify the data with original documentation ( e.g., billing statements or payment history ). I also requested a reinvestigation summary, including what data was reviewed, who verified it, and what documentation was used. 

As of today, Experian has not responded to my dispute, which is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), requiring CRAs to conduct a reinvestigation within 30 days of receiving a consumers dispute.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>2025, a scammer pretending to be from XXXX contacted me and tricked me into sharing a verification code. As a result, a fraudulent online transaction of {$990.00} was processed without my authorization. I immediately reported the fraud and submitted a formal claim to Bank of America. 

I provided all supporting documentation, including a screenshot of the phishing message and a detailed explanation of what happened. I also requested that the bank ask the merchant for actual proof of delivery or authorization ( such as shipping confirmation, signature, or delivery photo ). 

Bank of America issued a temporary credit, but on XX/XX/year>2025, they removed it and sent me a letter stating only that I had authorized the transaction without providing any evidence or specific explanation. No proof of authorization, delivery, or purchase was included. 

I never received any product or service, I have no relationship with the merchant, and I never authorized this transaction.

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 monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: OH

Complaint narrative:
You violated the United States Code LAW ( TILA 15 U.S. code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly is a billing error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
Equifax is reporting a collection account from XXXX XXXX that should have been removed. I went to court and won a judgment/dismissal in my favor, yet the account is still listed as active and negative on my credit report. 

What happened? 
I was taken to court by XXXX XXXX. The case was dismissed/I won a judgment in my favor, and they failed to validate the debt within the courts timeline. Despite this, Equifax continues to report the account as a valid collection, which is damaging my credit score and misleading any lender who pulls my report. 

I have already disputed this directly with Equifax and they have refused to remove the account. I provided documentation of my court win, yet they continue to report the account as if the debt is valid. 

What would be a fair resolution to this issue? 
I want Equifax to delete the XXXX XXXX collection account immediately from my credit report. I also want confirmation in writing that it has been removed. If not resolved, I am prepared to pursue further legal action for FCRA violations.

Company response to consumer: Closed with explanation