vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: TN

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt associated with account number ending in XXXX which I formally dispute in its entirety. This letter serves as a request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ).

Under federal law, I have the right to request full validation of any debt you claim I owe. Until such documentation is provided, you are legally required to cease all collection activities, including reporting to credit bureaus.

To properly validate this alleged debt, I am requesting the following : DOCUMENTS REQUIRED FOR VALIDATION A copy of the original signed contract or agreement Proving I agreed to the debt and its terms, including interest and fees.

A full itemized accounting of the debt Including the original balance, all payments made, interest, fees, and how the total was calculated.

Documentation showing your legal right to collect this debt A complete and unbroken chain of title from the original creditor to your agency, including all transfer/sale agreements.

The name and address of the original creditor As required under FDCPA for proper identification of the original account.

Proof this debt is within the statute of limitations in my state Including documentation of the date of last payment or activity.

Any judgment obtained against me ( if applicable ) Including court name, case number, and date of judgment, if you claim a legal ruling exists.

Verification of my identity and liability Especially important if this debt may have been a result of fraud or mistaken identity.

Unless and until you provide these items, you must cease all collection activity, including phone calls, letters, and any further reporting to credit bureaus per 15 U.S.C. 1692g ( b ). Reporting unverifiable debt may also be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

If you can not provide the required documentation within 30 days, I expect that you will : Cease all collection attempts Remove any negative information reported to consumer credit bureaus Confirm in writing that this matter has been closed I also request that all future communications be in writing only.

Thank you for your time and cooperation. I will retain a copy of this letter for my records, and if necessary, I am prepared to report any violations of my rights to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-22 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Beginning on XX/XX/year>, I entrusted New American Funding Mortgage XXXX with providing me a mortgage for the purchase of a home. I was pre-approved for {$350000.00}. I entered into a purchase contract for the amount of {$190000.00}. However, I was not able to close on the property in the time allotted on the contract, because New American Funding and their agents used deceptive and unscrupulous business tactics to lead me on for 2 months. They changed the closing date 4 times, without giving me any prior notice. When I tried to call the loan officers with questions about the status of my loan process, they would not answer my calls, nor return my messages. The last time that they moved my closing date to XX/XX/year>, which was the same day as the expiration of the purchase contract and the seller decided that he did not want to continue forward, with the sell of the property. Now I am in danger of losing my XXXX XXXX deposit. I am also at a loss for the {$650.00} VA XXXX that I paid for, as well as a termite inspection and new appliances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Identity Theft Victim I am writing to formally dispute the following fraudulent hard inquiries appearing on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These inquiries were not authorized by me and are the direct result of identity theft, as confirmed in my FTC Identity Theft Report No. XXXX ( attached ). Under penalty of perjury, I have affirmed this report to the Federal Trade Commission. 

My personal information was exposed in several major data breaches, including but not limited to XXXX, XXXX, Equifax, Experian, and TransUnion. These breaches compromised my personal identifying information, making me a target of fraudulent credit activity. 



Legal Basis for Immediate Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ) : Requires credit bureaus to block and remove any information resulting from identity theft within 4 business days of receiving an Identity Theft Report.

FCRA, 15 U.S.C. 1681i ( Section 611 ) : Mandates that credit bureaus conduct a reasonable reinvestigation. Since no permissible purpose can be verified for these inquiries, they must be deleted.

FCRA, 15 U.S.C. 1681b : States that a consumer reporting agency may furnish a report only with the consumers consent or under permissible purposes. These inquiries fail this requirement.

Consumer Financial Protection Bureau ( CFPB ) Guidance : Consumers can not be held responsible for fraudulent credit activity tied to identity theft.

Demand for Relief I demand that the above hard inquiries be permanently deleted from my credit reports at Experian, Equifax, and TransUnion immediately.

Failure to comply with this request will constitute a direct violation of federal law, including the FCRA and my rights under 605B protections. If this dispute is not resolved in full, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and the Federal Trade Commission.

Attached Evidence 1. FTC Identity Theft Report No. XXXX ( signed & dated XX/XX/XXXX ) 2. Copy of government-issued identification 3. Proof of current address ( utility bill, lease, etc. ) Closing This is a formal demand under federal law. Please provide me with written confirmation that these fraudulent inquiries have been removed within the statutory timeline. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am really disappointed to see that the inaccurate late payments remain on my credit report this morning. I honestly do not understand why this has not been corrected yet. Refreshing my browser did nothing to remove them. I need you to carefully go over the documents Ive provided so this issue is finally fixed and I can stop worrying about it every day.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I used my XXXX  XXXX XXXX checking account to pay my Apple Card with no issues until a one-time duplicate charge of {$2200.00} occurred in XX/XX/year>. I filed a standard dispute through my bank to reverse the second charge. The dispute was not marked as fraud, and my bank confirmed that my account remained in good standing. 

After the dispute, my XXXX  XXXX XXXX checking account was flagged by Apple Cards system and could no longer be used as a payment method. Every time I try to re-add the account, it is rejected with an invalid funding source error. 

I contacted Apple Card support multiple times throughout XX/XX/year>. The issue was escalated to supervisors and upper management. Eventually, a supervisor confirmed via chat that the checking account had been flagged for unauthorized payments. At the same time, they also acknowledged that I had followed proper procedures and did not commit fraud. 

I was never given a formal decision in writing and was never given a chance to appeal the decision. Instead, support agents and supervisors repeatedly insisted that I use a different bank account, which I believe is an inappropriate and unfair response to a system-level restriction caused by a valid billing dispute. 

I believe this is retaliation for exercising my legal right to dispute a duplicate transaction and constitutes unfair and abusive treatment under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: DISCOVER BANK
State: MI

Complaint narrative:
I am a victim of identity theft. A Discover account was opened, used, and securitized without my knowledge or authorization. The IRS Wage & Income Transcript for XXXX shows a Form 1099-C issued by Discover, indicating cancellation of this unauthorized account. I never applied for or authorized this account, nor did I consent to its securitization or securitized sale as an asset. 

Despite prior disputes and identity theft notices, Discover continues to furnish this account to XXXX XXXX XXXX XXXX. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block identity theft information, and the furnisher obligations under 15 U.S.C. 1681s-2, which prohibit reporting information known to be inaccurate.

In addition, Discover appears to be maintaining internal records of this fraudulent account to deny me future credit applications. Even though the account was cancelled, I am being penalized by a do not lend status tied to my SSN. This practice further harms my credit access and constitutes unfair treatment of an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: TX

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. relating to the reporting of the following account : Debt Buyer : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. 
Account Number ( partial ) : ( REDACTED ) Reported Balance : {$910.00} Original Balance : {$910.00} Status : Collection account ; {$910.00} past due Date Opened ( per report ) : XX/XX/year> Status Updated : XX/XX/year> Violations of the FCRA 1. Failure to Report Accurate and Verifiable Information 1681s-2 ( a ) ( 1 ) ( A ) XXXX is reporting this account as a collection account opened in XX/XX/year>. However, the account was allegedly purchased from XXXX XXXXXXXX XXXX XXXX. and immediately reported as in collections with no activity, payments, or validation. This creates misleading and incomplete reporting, violating the FCRAs requirement that furnishers provide information with maximum possible accuracy.

2. Failure to Validate Debt Prior to Reporting FDCPA 809 ( 15 U.S.C. 1692g ), enforced by CFPB As a debt buyer, XXXX must obtain and provide proof of ownership and validation of the alleged debt before furnishing it to consumer reporting agencies. I dispute the validity of this debt. XXXX has not provided validation but continues to report the debt, constituting a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

3. Failure to Conduct a Reasonable Investigation of Disputed Information 1681s-2 ( b ) Upon dispute, XXXX is obligated to conduct a reasonable investigation. The tradeline remains unchanged with no evidence of proper validation or correction. This constitutes a failure to comply with FCRA obligations.

4. Improper Collection Reporting XXXX reported the account as opened in XX/XX/year>, yet it immediately appeared in collection status. This suggests the reporting is designed to reset the reporting date and unfairly extend derogatory credit reporting, a practice that misleads other creditors and lenders and unfairly damages my clients credit profile. 

Harm to the Consumer As a result of XXXX XXXX XXXX violations, I have suffered : Severe damage to creditworthiness and FICO score ; Denial of credit and exposure to higher interest rates ; Emotional and reputational harm caused by inaccurate, misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-22 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased an XXXX XXXX XXXX ( Card # : XXXX ) in the amount of {$100.00} at XXXX # XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/year>. This card was purchased as a gift and when the recipient opened the gift card the claim code was defaced not readable. When the recipient called XXXX to find an alternative way to use the card, they told him it was already used. XXXX and XXXX  ( Incident ID : XXXX ) declined to refund the purchase and Capital One ( Dispute Case Number : XXXX ) declined to charge-back the purchase or cover it under purchase protection. 

It appears that the card was taken by someone ; the claim code was stolen and defaced ; and then returned to the store " visibly undamaged ''. Then I purchased and the store activated the card & the card was used by the person who stole the claim code before the person I gifted it to was able to try to use it on XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I rcenty discovered that a civil judgement was entered against me but i was never served with a summons. The failure of service violates my rights of due process and prevented me from disputing or defending my my case under FDCPA, 15U.S.C. 1692g. I am requesting that the CFPB require the company to provide proof of the proper notification and ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation