vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
The credit bureau ( Transunion, XXXX XXXX XXXX ) has failed to maintain accurate and verifiable records, has reported false or misleading information, and has ignored my prior dispute and verification requests in direct violation of FCRA 168e ( b ), 1681i, and 1681s-2. These sections clearly require data furnishers and credit reporting agencies to ensure maximum possible accuracy, promptly investigate disputes, and correct or delete any unverifiable or inaccurate information. Your continued noncompliance constitutes willful negligency and reckless disregard for the law. 

Let me be perfectly clear - your actions have caused measurable harm, including damage to my creditworthiness, emotional distress, and denial of credit opportunities. I am fully prepared to file suit in state and federal court seeking statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees under the FCRA and related consumer protection statutes.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX previously responded to a CFPB complaint by providing only generic billing statements and unsigned cardholder agreements. They also admitted that these accounts were sold to XXXX XXXX XXXX. This means XXXX no longer has legal ownership, control, or the ability to validate the accuracy of the tradelines currently reported on my credit reports. 

Despite this, [ Experian / Equifax XXXX TransUnion ] continues to report these accounts without providing a legally sufficient Method of Verification as required by FCRA 611 ( a ) ( 7 ).

Generic documents and unverifiable statements do not constitute proper validation under the law. A real verification requires legally admissible documentation showing : ( 1 ) original signed agreements, ( 2 ) proof of ownership or assignment, ( 3 ) payment histories, and ( 4 ) the actual verification contact/method used. None of this has been provided.

This is now an ongoing reporting of unverifiable and inaccurate information in violation of FCRA 611 and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX previously responded to a CFPB complaint by providing only generic billing statements and unsigned cardholder agreements. They also admitted that these accounts were sold to XXXX XXXX XXXX. This means XXXX no longer has legal ownership, control, or the ability to validate the accuracy of the tradelines currently reported on my credit reports. 

Despite this, [ Experian / Equifax XXXX TransUnion ] continues to report these accounts without providing a legally sufficient Method of Verification as required by FCRA 611 ( a ) ( 7 ).

Generic documents and unverifiable statements do not constitute proper validation under the law. A real verification requires legally admissible documentation showing : ( 1 ) original signed agreements, ( 2 ) proof of ownership or assignment, ( 3 ) payment histories, and ( 4 ) the actual verification contact/method used. None of this has been provided.

This is now an ongoing reporting of unverifiable and inaccurate information in violation of FCRA 611 and 623.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

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


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

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


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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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


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

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


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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to a collection agency regarding alleged debts they claim I owe. To date, I have not received any response, acknowledgment, or proper validation of these debts. 

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), I am entitled to request validation of any alleged debt. I formally requested the following information : The amount of the debt The name of the original creditor Documentation proving that I am legally obligated to pay this debt To this day, the collection agency has not provided full validation and continues to report the alleged debt to credit bureaus. This violates both the FDCPA and FCRA 611 ( a ), which require accurate and verified reporting. 

Relevant case law supports these rights : XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Debt collectors must provide proper validation ; reporting unverified debts can create liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Collection agencies are liable under the FCRA for reporting inaccurate or unverifiable information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit agencies must conduct reasonable investigations and are liable for failing to comply.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding ongoing unfair and possibly retaliatory practices by Capital One Bank related to the delayed availability of my check deposits. 

I am an independent contractor working for a XXXX XXXX XXXX XXXX XXXX  in XXXX, Ohio. I receive payment by check from the same business account each week and typically deposit multiple checkssometimes up to fiveusing Capital Ones mobile deposit feature. All checks are from the same payer and the same account number. 

For over a year, Capital One has consistently placed extended holds on my larger deposits, often five business days or longer, while smaller checks from the same payer clear and become available the next day. Despite my repeated attempts to resolve this issue, Capital One has provided no clear justification for this inconsistent treatment. 

Recently, after expressing my frustration and indicating that I might seek legal counsel or consider a class action over these recurring delays, the situation has worsened. It now appears that my larger deposits are being subjected to even longer holds. I believe this may constitute retaliatory behavior, which has caused me continued financial hardship and stress. 

All of my deposited checks have cleared without issue, and there is no history of returned items or insufficient funds. Therefore, these ongoing holds appear to be arbitrary and possibly in violation of federal regulations governing funds availability and fair banking practices. 

I respectfully request that the Consumer Financial Protection Bureau investigate Capital Ones check hold policies and practices, including whether customers who raise complaints or express intent to pursue legal action are being subjected to retaliatory treatment. I also ask that Capital One review my account and correct this issue to ensure consistent and fair funds availability moving forward. 

Thank you for your attention to this matter. I am happy to provide copies of deposited checks, deposit confirmations, or any other documentation needed to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Re : Request for Deletion or Discharge of Federal Student Loans Due to Breach/Misuse of Personal Information To Whom It May Concern : I am writing to formally dispute the validity of the federal student loans associated with my name and Social Security number, and to demand an immediate investigation into the origination and use of these loans. I am also requesting that these loans be * * deleted, discharged, or otherwise canceled * * based on the following : XXXX. Breach or Misuse of My Personal Information I have reason to believe that my * * personally identifiable information ( PII ) * * was used without my informed consent in the processing or administration of these federal loans. This constitutes a violation of my rights under federal privacy laws, including but not limited to : - The * * Privacy Act of XXXX  * * ( 5 U.S.C. 552a ), and - The * * XXXX XXXX * * ( where applicable ). 

If this loan was originated using data obtained through fraudulent or unauthorized means, I am not legally obligated to repay this debt. 

XXXX. Request for Immediate Action I request the following : - A full and complete investigation into the origination of this loan, including : - The original application and promissory note ; - IP address or origin of electronic signatures or account creation ; - Records of communications or authorizations related to loan disbursement. 
- A full copy of all documentation used to verify my identity during loan processing. 
- A suspension of collection and interest accrual while the investigation is ongoing. 
- Written confirmation that this debt has been canceled or an explanation of your findings if not. 

Until this matter is resolved, I dispute the validity of this debt and request that all negative credit reporting be * * paused * * or * * removed * * in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 




Please respond to this letter within * * XXXX  days * * with documentation and next steps. I reserve all rights under federal law and do not waive any legal claims by submitting this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that all old, inaccurate, or unauthorized personal information be removed from my credit file. This includes former addresses, incorrect name variations, and outdated employer listings that do not reflect my current or accurate information. 

I have reviewed my credit report and noticed several personal details that are no longer valid and may cause confusion during identity verification. Please delete or update these entries to ensure my credit file accurately reflects my current personal information. 

I have already submitted supporting identification ( copy of drivers license and utility bill ) verifying my correct information. 

Thank you for your prompt attention in correcting these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
I took a mortgage from First National Bank of Pennsylvania, closing on XX/XX/year>, on a house in XXXX XXXX, XXXX : property address XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX. 
LOAN NUMBER : XXXX I started making regular monthly payments on XX/XX/year> and have made 3 monthly payments, the last one being XX/XX/year>. 

I have not received a single statement - either electronic or by mail- regarding my mortgage payments, specifically the amount of interest paid and the amount of principal paid. 

I have reached out to XXXX of the people who helped me secure the loan but they do not work for FNB.

I have reached out to FNB using their customer service line but did not get any help. 

Seeking your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to TransUnion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), TransUnion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. 
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 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I have been requesting a buyback for almost a year and have gotten an information. It is supposed to be processed in 45 days. Its been a year in XXXX and no one has looked into my account to process a buyback. I want to be considered for forgiveness and this keeps dragging on and on. I should already be forgiven but student aid and mohela arent doing anything to process my buyback.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: GA

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 XXXX : 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 XXXX 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 2025-10-22 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: EQUIFAX, INC.
State: GA

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 XXXX : 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 XXXX 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 response to consumer: Closed with non-monetary relief