vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I submitted a formal dispute to Experian regarding an inaccurate account that does not belong to me. Despite my dispute and the supporting documentation I provided, Experian has failed to correct or remove this inaccurate account, and it continues to appear on my credit file. This inaccurate reporting is harming my credit standing and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: VA

Complaint narrative:
I had a loan with XXXX XXXX which they sold to independence capital recovery. This company contacted several family members including my mother, my sister, my ex boyfriend and others relatives that I have to seen in years. I spoke to them over the phone and they started harassing me telling me that I had to stop buy food for my children and pay them money, because I told them that I was not working. Today XX/XX/XXXX  they started the harassing phone call and contacted my aunt, and cousins leaving voice messages about me and the fact that they wanted my information. They have my information and I politely asked them to stop calling my relatives and talking to them about private matters that dont concern any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
On Tuesday XX/XX/year> a sealed court order record was illegally placed on my credit profile which went against the court order that was written and approved by a court judge on XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX For the amount of {$8000.00} XXXX XXXX XXXXXXXX went against court orders of the debt being a sealed record and illegally sold the debt to trans world system going against the judge orders. As well as increasing the debt without consent or permission to ( {$18000.00} ). Im requesting that Experian follow the court order of this case being a sealed record and remove it from being reported on my credit profile, as it should have never been placed on my credit profile or even sold to a collection company. Im requesting that this matter and process immediately takes place or I will be seeking immediate legal actions against Experian for disobeying the court order and reporting the inaccurate information on my credit profile as well as the information in general. Attached to this Complaint is Two documents both being the Court order which can be verified by a California Court Case # XXXXXXXX

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Re : Request for Debt Validation under 15 U.S.C. 1692g Account Number : [ Insert if available ] To Whom It May Concern, This letter is sent in response to your claim of an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. 

Please provide the following : 1. Proof of the debt the original signed contract or agreement bearing my signature.

2. Verification of ownership documents showing that you are authorized to collect this debt, including the chain of assignment or transfer from the original creditor. 


3. Detailed accounting a complete itemization of the alleged debt, including principal, interest, fees, and any other charges.

4. Creditor information the name and address of the original creditor, and proof that this debt is owed to them. 



Until such validation is provided, you must cease all collection activity and not report or verify this alleged debt to any credit reporting agency, as doing so without proper validation is a violation of the FDCPA and the Fair Credit Reporting Act. 

If you fail to provide the requested documentation, or continue with collection activity without validating the debt, you will be in violation of federal law, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This is not a refusal to pay but a request for validation. Please note that all communications regarding this matter must be in writing. 

Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
Im seeing balances attached to loans that I am unaware of. None of these loans belong to me, Ive even contacted my school. The balances are inaccurate and should not be attached to 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a {$3000.00} check to my checking account at Fifth third bank they told me several times and also on my deposit ticket that there would be no hold and funds would be available next day, now they are saying the funds wont be available till XX/XX/year> this is a time sensitive matter and I asked the teller not to deposit into my account if there was going to be a hold after being assured no hold they deposited the check and now Im going to lose my home and cant pay my utility bills after calling they refuse to release the check this check was written out of my business account at XXXX XXXX and I know the funds have already been sent and cleared at the deposited bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
I received a text message it's Linebarger Goggan Blair & Sampson , LLP. You have an outstanding account with our client, XXXX XXXX XXXX. 

Pay here XXXX XXXX XXXX XXXX XXXX XXXX XXXX or call XXXX to talk with an agent. 

Ref # : XXXX Client Code : XXXX  Disclosures/FAQ : XXXX XXXX XXXX Text STOP to quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding an inaccurate late payment reported by Santander Bank on my credit report. This late payment has caused a XXXX-point drop in my credit score and prevented me from obtaining a loan I was planning to apply for. 

Here are the details : On XX/XX/year>2025 at XXXX XXXX, I called Santander Bank regarding my loan, and I was informed that the loan was closed. 
Later on XXXX XXXX, 2025 at XXXX XXXX, I called again and received the same confirmation that the loan was closed. 
On XX/XX/year>2025 at XXXX XXXX, I made a third call, and again I was told the loan was closed. 

After these calls, a payment was later returned, and Santander reopened the loan and reported a late payment to the credit bureaus. I believe this late payment is not my responsibility, as I was misinformed by Santander Bank multiple times. I have call logs as evidence of these conversations.

I request that CFPB investigate this matter and assist in correcting my credit report, as this reporting error has caused significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$4300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Statement Regarding Involuntary Involvement in Fraudulent Transactions and Account Closure To Whom It May Concern, I am submitting this statement as part of a complaint regarding the closure of my bank account with Navy Federal Credit Union. 

I acknowledge that I was involved in certain transactions which the bank identified as fraudulent. However, I had no knowledge at the time that these transactions were fraudulent in nature. I did not knowingly or intentionally engage in any fraudulent activity. 

Navy Federal Credit Union provided details about the transactions in question, and upon review, I now understand how they may have raised red flags. That said, I was unaware that I was being misled or used in a way that would result in a violation of the banks policies or financial regulations. 

As a result of this issue, my account was closed, and I have been denied access to my account services. I was given an opportunity to resolve the situation or provide additional context before the closure occurred but I was denied access. 

I am requesting that this matter be reviewed, and that I be given a fair opportunity to explain my position. I am fully willing to cooperate with any further inquiries and to provide supporting documentation as needed. 

I respectfully request assistance from the Consumer Financial Protection Bureau in helping to resolve this matter, including regaining access to my accounts and clearing any negative reports that may now appear on my banking record due to this incident. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
XXXX is inaccurately reporting an account on my credit report. The issue is that XXXX sold the vehicle tied to this account, and I have official XXXX documentation confirming the sale. 

Despite this, XXXX has continued to furnish the account as a valid debt. I disputed this through Experian and was told XXXX verified the account as accurate, which is false and contradicts the XXXX records I submitted. 

By continuing to report this account as valid after receiving proof of the sale, XXXX is furnishing inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that XXXX immediately update or delete this account from all credit reporting agencies.

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 2025-09-10 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : 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 2025-09-11 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX with the balance of {$620.00}. This has also resulted in multiple fraudulent hard inquiries. The inquiries in question are 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 I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
The Dept of Education XXXX XXXX student loan is being reported incorrectly on my credit reports with XXXX, XXXX, and XXXX. The balance, payment history, and dates do not match up and can not be verified. I already disputed this, but the bureaus left the errors on my report. I am asking that the company either prove the account with proper documentation or remove it completely.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 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: TX

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 2025-09-11 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:
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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Credence Resource Management is trying to collect a debt from me without providing proper validation. I sent them a written request asking for proof that the debt is mine, the original creditors information, and a breakdown of the amount they claim I owe. 

They have not provided this information but continue collection efforts and report to the credit bureaus. This violates the Fair Debt Collection Practices Act, which requires them to stop collecting until they validate the debt. 

I am asking the CFPB to investigate, require Credence Resource Management to fully validate the debt, stop all collection activity until then, and remove any negative credit reporting tied to this unvalidated debt.

Company response to consumer: Closed with non-monetary relief