vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I received a collection account reporting on my credit profile. I exercised my rights under the FDCPA 15 U.S.C. 1692g by submitting a written request for debt validation. I also submitted a Method of Verification request under FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) requesting a full accounting breakdown, original contract bearing my signature, proof of assignment/ownership, and documentation showing how the balance was calculated. 

The company failed to provide the required validation and did not supply any legally sufficient documentation. Despite being put on notice and in dispute, the company continued reporting the account to the credit bureaus, which constitutes continued collection activity without validation, a violation of FDCPA 1692g ( b ).

Additionally, under the FCRA, a furnisher must conduct a reasonable investigation when a consumer disputes accuracy. Instead of providing verification or removing the account, they continued reporting without producing the chain of title or proof of authority to collect. 

I am requesting that this account be removed from my credit reports due to failure to validate as required by law, improper reporting while in dispute, and failure to conduct a lawful investigation. I am seeking full deletion and compliance review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
My wife and I commenced a settlement arrangement with XXXX on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. Prior to agreeing to settlement we were making the monthly payments on time. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. This account was reported XXXX  days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  days late XX/XX/XXXX, XXXX  days late XX/XX/XXXX, XXXX  days late XX/XX/XXXX and XX/XX/XXXX, then from XX/XX/XXXX - XX/XX/XXXX reported as charged off with a past due balance, yet never reported as settled. I have disputed this with Equifax, and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. In fact, the investigation was completed within XXXX hours.Open date XX/XX/XXXX Close date XX/XX/XXXX After contacting XXXX directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the XXXX time we emailed our document to XXXX. XXXX finally sent the settled-in-full letter dated XX/XX/XXXX As of XX/XX/XXXX Equifax has still failed to investigate and correct our credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been reporting to experian for over a few months now telling them that I was a victim of fraud they have neglected to do there reaserach on all the hard inquires that I have been reporting and calling about and sending the information to them about whats going on, ever time I report them to you guys the put the same message I HAVE POLICE REPORTS!!!!!! there still doing nothing about this matter. I need help please.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
i been a card holder of Capital One since XXXX i have XXXX credit cards with them, XXXX of them Capital One Quick Silver account had XXXX late payments on them of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my job laid me off due to the Covid 19 pandemic and I didn't receive my unemployment benefits for over XXXX months of my last pay check from my job. I am a single father with sole custody of my son who at the time was XXXX years old and i did not and still not receive any child support. The financial strain between paying for rent, utilities and groceries for my son I had to be handled first before i could make any credit card payments. I believe because of this financial hardship caused by a global pandemic can count towards the removal of these late payments that are holding me back in pursing actual home ownership and accessing better credit funding due to the impact these late payments are having on my credit score and profile. i have not had any late payments with this company since this financial hardship and still have my XXXX accounts open and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX. On XX/XX/year>, I duly presented a Bill of Exchange ( XXXX XXXX XXXX a Conditional Acceptance for Value, and a Notice of Security XXXX XXXX JPMorgan Chase & Co. through its Chief Financial Officer, tendering lawful settlement of an alleged vehicle obligation. 
XXXX. XXXX XXXX XXXX XXXXXXXX, through its Executive Office, returned my instrument dishonored, without lawful cause, and issued a cease and desist letter.

3. In lieu of lawful acknowledgment, they produced a dealership retail installment contract ( already funded/paid at inception ) and a payment history of account activity.

4. This payment history represents unearned interest and unjust enrichment, as the dealer had already been compensated in full at the time of signing. Continuing to demand additional payments constitutes a double payment scheme against the consumer principal.

5. Despite dishonor of the Bill of Exchange, JPMorgan Chase Bank , N.A . states it will continue collection efforts, while ignoring perfected instruments and notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
A letter mailed To Regional Acceptance asking for proof of debt and the notification of auction on the vehicle.

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 2025-10-17 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Due to divorce and a decline in my business ( Self-employed ) XXXX XXXX since XXXX, I knew I would not be able to make my XX/XX/XXXX mortgage payment. Therefore, I submitted the document on XX/XX/XXXX to the XXXX XXXX XXXX at Selene Finance. They told me the documents I needed to send and I sent all the bank statements, XXXX XXXX XXXX XXXX, and etc. requested. A document dated XXXX XXXX, XXXX said that XXXX XXXX would be my point of contact. I tried to connect with her for weeks and never could get a response or call. The customer service people were nice and said she would call within XXXX hours, every time I called. Now, today, after calling and having already sent the documents, I received a letter saying I was denied because I didn't submit the needed documents, which is not true. I called back and the customer service person told me to submit everything AGAIN. I don't understand what is happening? I am going to submit everything again today, XX/XX/XXXX, However, I am complaining because these processes are here to help if possible, and I feel that my entire case has dropped through the cracks with an overworked Selene Finance team of people. My mortgage is already late for XX/XX/XXXX by XXXX weeks although I did everything possible to submit everything in a timely matter since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-17 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-17 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-17 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: SD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : CREDIT COLLECTION SERV - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I am filing this complaint because TransUnion failed to properly investigate my credit dispute regarding an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account because the information being reported is inaccurate and incomplete. However, TransUnion responded with a generic verified as accurate outcome without providing any explanation, documentation, or details of how the furnisher verified the account. 
Details of the dispute : I submitted a dispute to TransUnion regarding the XXXX XXXX XXXX account. TransUnion closed the dispute stating that the furnisher verified as accurate. I was not provided with any method of verification, documentation from the original creditor, or evidence to support the validity of the account. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires the credit reporting agency to conduct a reasonable reinvestigation and provide the consumer with the method of verification upon request. 
Furthermore, XXXX has not provided any original signed contract, itemized statement, or legal assignment to show that this debt is valid and belongs to me. The way TransUnion handled this dispute demonstrates a lack of reasonable investigation it appears they relied solely on automated e-OSCAR responses, which is not compliant with FCRA standards. 

Desired resolution : I am requesting that the CFPB require TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : Provide a full method of verification explaining how this account was verified, including the name of the person contacted, the date of verification, and supporting documentation. 
Remove the account from my credit report if the furnisher can not provide verifiable documentation. 
Ensure TransUnion complies with FCRA XXXX in future disputes by conducting a reasonable reinvestigation.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to the denial of my recent dispute regarding an unauthorized transaction on my account. I would like to formally clarify that I did not authorize the transaction in question, and I took immediate action upon noticing the charge. 
When I became aware of the unauthorized activity, I contacted your customer service team and followed the proper procedure to dispute the charge. Additionally, I had my card replaced to prevent further unauthorized access, demonstrating that I took proactive steps to secure my account. 
Despite providing this information, my dispute was denied. I respectfully disagree with the decision and request a full review of the case, including any available transaction logs, location data, or IP addresses associated with the charge. I am confident that such a review will support my claim that this transaction was not made or authorized by me. 
Please consider this my formal request for reconsideration of the dispute. I would appreciate a prompt response and a clear explanation of why the claim was denied, as well as any additional steps I can take to escalate or appeal the decision. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
COVID19 CARES ACT ... Immediate Update of INACCURATE NEGATIVE payment history info. ALL Needs UPDATED TO PAYS as agreed.STATUS IN GOOD STANDING ... AS THIS CREDITOR HAS BEEN COMPLETELY PAID IN FULL.

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