vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am writing to formally dispute the following inquiry on my credit report with Equifax. This inquiry is inaccurate, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( Dispute Resolution ). 

Inquiries in Dispute : XXXX  - XX/XX/year> This inquiry was either unauthorized, was made in error, or should not appear on my credit report. I respectfully request that Equifax provide documentation that verifies this inquiry and show that it was properly authorized and recorded according to FCRA standards. If this inquiry can not be verified, I request its immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
Even though this account was paid off, it still reflects late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX Bankruptcy # XXXX - Date Opened : 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 non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-05 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: FL

Complaint narrative:
I am submitting this complaint because [ Experian / TransUnion ] is continuing to report inaccurate information on my credit file, even after XXXX  verified and corrected the same account through a CFPB investigation. 

On XX/XX/year>, Equifax completed a CFPB investigation regarding my XXXX XXXX account and confirmed : The account is Paid as Agreed, with no late payments. 
Historical account data was corrected. 
The duplicate or prior XXXX XXXX entry is no longer reporting. 

Despite this verified resolution, [ Experian / TransUnion ] continues to report inaccurate or outdated information for this same furnisher. 
I am requesting that CFPB ensure [ Experian / TransUnion ] updates or deletes this account to reflect the verified Equifax correction, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 and the requirement for accurate and consistent credit file reporting across all consumer 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On my capital one mobile app there was a settlement plan of paying off 50 % of my debit and they would write off the rest 50 %. I took a loan out and my bank sent a cashiers check as well as the payment that we chosen and were being offered the cashiers check came straight from my bank ( selected payment plan included from my bank ). They will not honor the plan since it was not paid through mobile banking/online. My bank sent the check in - I did not receive that money. What about others that do not have the mobile app? I even called XX/XX/year> and let them know I was sending a check and retrieved the billing address. They will not uphold their part! I could not select a plan on the app because I did not know when the check would arrive!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 disputing the following accounts on my credit report, as they contain potential inaccuracies and discrepancies. I request that TransUnion thoroughly investigate these items to ensure compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate, complete, and verifiable information be reported. 

The disputed accounts are : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Please verify the status of this account and correct any inaccuracies. 

XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : Discrepancy in balance and reporting. Please review for accuracy. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Issue : The accounts status and balance have been reported inconsistently. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Issue : This account has been inaccurately reported as a charged-off account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Issue : Discrepancy in the reported balance and status. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Please verify the accuracy of the reported balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Issue : Please review the reporting on this account and ensure all details are 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 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: CO

Complaint narrative:
I owed a debt to a medical device company, I had a XXXX XXXX payment plan with them, I have since paid the debt off. They handed my account over to their collection agency and now I receive emails daily regarding a {$2.00} debt. The medical device company states my account is paid in full and I no longer owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-11-05 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/year>, the bank Navy Federal Credit Union received a ( an ) Notice of Levy for {$2100.00} from EMPLOYMENT DEVELOPMENT DEPARTMENT, ATTN : WAGE GARNISHMENT. 

This amount was put on hold according to the levy. On XX/XX/year> I resolved the matter with the Employment development department which the hold should have been removed from my account. 

After numerous attempts to have the hold removed from the bank it has not been resolved and it has been a month now. 

A multitude of life events have transpired which the money would have extremely helpful. 

I have attempted to speak to supervisors and other personal but the matter has not moved forward at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear LVNV FUNDING LLC/C O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I purchased XXXX tickets for {$170.00} and {$1700.00} was deducted from my account and the person refuses to send my money back and Venmo denied the dispute transaction date XX/XX/year> Amount {$1700.00} Requested refund from seller they refused and Venmo denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank has acted in a retaliatory fashion and violated my rights as well as discriminated against me under XXXX standards. I experienced fraud and received a check from Synchrony in 2024. An agent took a retaliatory action against me by undoing the whole investigation, ( after a check had been sent, already, proof it had been approved ). Synchrony is refusing to credit both my PayPal & Venmo accounts for thousands of dollars after I have provided irrefutable proof of fraud from multiple sources, including my banking institution. Synchrony has a history of these illegal practices and I need to be supported and retrieving over {$18000.00} in funds and the hardship they have caused me with their retaliatory, discriminatory, obfuscating, and non-compliant practices.

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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
Carter Young Inc is reporting a collection account on my credit report related to a student housing lease for my son that I had no knowledge of. 
I contacted them in good faith to validate the debt and offer a settlement for removal, but they refused to cooperate or provide written payment options. 
I am requesting investigation into their refusal to negotiate and to have this item removed from my credit reports pending resolution. I repeatedly told them I had no knowledge of this debt and even after told them that I was willing to offer a settlement in which case they refused and told me that the client had denied it when I called the client. The client told me that it was up to Carter Young to decide on a settlement offer. I have been redirected through several different phone calls several times trying to find a way to resolve this issue only to be hung up on refused and rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am submitting this complaint to dispute and request proper debt validation for the following collection accounts that are being reported across all three credit bureaus under the name XXXX XXXX : XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX * * * * I have serious concerns that these debts are either unverified, inaccurately reported, or improperly furnished to the bureaus without sufficient documentation. I have never received a single validation notice, contract, or payment record proving these alleged obligations. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, a debt collector is required to provide the consumer with full validation of the alleged debt upon written request.

Furthermore, under this law, if the debt collector fails to provide such validation within 30 days, they are legally obligated to cease collection activity and remove the account from the consumers credit report. This requirement ensures that no unverified or potentially incorrect debt continues to harm a consumers credit profile or reputation. 

Despite my prior disputes and multiple requests for validation, I have yet to receive any legitimate documentation proving that these debts belong to me or were lawfully assigned for collection. Continuing to report or share this information without proper verification constitutes a clear violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), both of which require data furnishers and credit bureaus to maintain maximum possible accuracy in consumer reporting. 

These false or unvalidated collections have caused me emotional stress and tangible financial harm, affecting my ability to secure credit and damaging my credibility as a responsible consumer.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Selene Holdings LLC
State: NV

Complaint narrative:
We closed on the house XX/XX/XXXX. On XX/XX/XXXX, we requested to have the PMI removed considering the value of the house increased well over the 78 % XXXX ratio. We have tried a few other times, pretty much annually and we continually denied. The most recent of these times was XX/XX/XXXX where we sent a written request and received a denial letter from the company XX/XX/XXXX due to level not being less than 80 %. We were not given the option to order a new appraisal despite offering it multiple times over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief