vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Consumer Name ( XXXX, XXXX ), Consumer Social Security Number : ( Private ), Consumer Date of Birth : ( private ), Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards account opened at Capital One on XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX  ), personal installment loan XXXX XXXX on XXXX XXXX under the account number ( XXXX  ), XXXX XXXX XXXX on XXXX XXXX collection The XXXX XXXX  on XXXX XXXX under account number ( XXXX ), Line of credit XXXXXXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) Installment loan XXXX XXXX XXXX XXXX XXXX under the account ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and fraudulent accounts appearing on my consumer XXXX credit report. I have attatched the list of accounts in question as well as 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 are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
Consumer Name ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards account opened at XXXX XXXXXXXX on XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ), personal installment loan XXXX XXXX on XXXX XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XXXX XXXX collection The XXXXXXXX XXXX  on XXXX XXXX under account number ( XXXX ), Line of credit XXXX XXXX XXXX  XXXX XXXX under the account number ( XXXX  ) Installment loan Goodleap LLC XXXX XXXX XXXX under the account ( XXXX  ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and fraudulent accounts appearing on my consumer XXXX credit report. I have attatched the list of accounts in question as well as 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 are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: IL

Complaint narrative:
The account is not a charge off. It states settled for less.it is paid the remains was a 1099c. Please remove this account from my credit report for inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on XXXX XXXX  XXXX XXXX Account number : XXXX that I believe inaccurate. I have maintained on time-payment and do not have documentation showing that this payment legitimately 30 days late. 

I am requesting a full investigation and verification of this late payment. If the creditor unable to provide sufficient evidence. I am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that i did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removd from my Credit Report. 

Account name / Account number XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I was using XXXX to XXXX, and I deposited an amount to my XXXX account from XXXX of my banks. I then decided to add another bank to my XXXX account so that I can use that bank to XXXX from now on. Upon trying to withdraw the original amount to the new bank I added my account was restricted, and I am being told that I can not access any of my funds. Both bank accounts are mine, and under my name there is no reason I should not be able to access my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was compromised in the XXXX XXXX Since then, Ive noticed several accounts on my credit report that I did not open. In addition, many of my actual accounts are being reported inaccurately. This includes incorrect dates of last activity, false late payments, incorrect balances, and other reporting errors. 

Ive attached the documents needed to support my dispute and to help bring the credit reporting in line with legal requirements. These errors have seriously damaged my credit and have prevented me from making necessary purchases.

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 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Debt collector reported to credit bureau in the amount of XXXX dollars to XXXX never received copy debt was sold to Jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Source Receivables Management LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, I am writing regarding the account you have reported to Experian, which is being managed by Source Receivables Management. The account, listed under your name, was assigned on XX/XX/XXXX and reflects a balance of {$2400.00}. It is currently being reported with the status " Account seriously past due. '' In response to a prior dispute, you indicated that the information was " [ verified ]. '' However, I did not ask for validation or accuracy-I requested legal substantiation. On XX/XX/XXXX, you reported this account to XXXX as late. Under 15 U.S. Code 1666b, a creditor may not treat a credit card payment as late unless they have adopted reasonable procedures to ensure each periodic statement ( as outlined in 15 U.S.C. 1637 ( b ) ) is mailed or delivered to the consumer at least 21 days prior to the payment due date. 
Page 1 I requested the documentation required by law to validate the basis for reporting the payment as late. You have failed to provide it within the 30-day timeframe. According to Rule 1002 and XXXXXXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), furnishers must possess sufficient evidence to verify disputed information. If such evidence can not be provided, the furnisher must report the account as " can not be verified, '' not " verified. '' Accordingly, you are required to delete the following account information from all Consumer Reporting Agencies : Account : XXXX XXXX XXXX Reported to XXXX Balance : {$2400.00} Agency : Source Receivables Management Please correct the record by removing any and all references to this account being late or seriously past due. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete reporting of late payments on several accounts listed in my credit report. After reviewing my report, I discovered multiple errors in the payment history that appear to qualify as billing errors under the Truth in Lending Act, 15 U.S.C. 1666 ( b ).

I do not recall being late on any of these accounts, and I was not provided with a billing statement at least 21 days prior to the due date, as required by law. Therefore, any late payment entries for these accounts should be considered invalid.

Alleged Violations of 15 U.S.C. 1666 ( b ) : Specifically, the creditors involved may have violated : 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made by the obligor or a credit issued ; 1666 ( b ) ( 5 ) : Computation or accounting errors by the creditor on a billing statement. 

These errors have negatively impacted my credit profile and were not corrected despite my dispute. 

Disputed Accounts and Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Verification : I am requesting the following : Documentary proof that I was late in making payments on the accounts listed above ; Copies of billing statements showing the due dates and payment dates ; Proof that statements were sent at least 21 days before the due date, as required by the Credit CARD Act ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ).

If the creditors can not provide clear documentation, I request that all inaccurate late payment notations be corrected to " Paid on Time '' immediately.

Additional Regulatory Action : This complaint is also being submitted to : The Consumer Financial Protection Bureau ( CFPB ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; My State Attorney Generals Office. 

These erroneous late payments have caused harm to my credit standing, and I am seeking immediate correction in accordance with federal consumer protection laws. 

Thank you for your attention to this matter. I look forward to a timely and lawful resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
" I dispute this negative credit item. My educational records were shared without my consent, violating FERPA. This disclosure led to inaccurate reporting. Please investigate and remove. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX turned a balance of {$130.00} to a collection agency in spite of me paying {$20.00} per month in an attempt to pay off my bill. I am on a fixed income and threatening me with a collection agency does not give me any additional income. Additionally, this company has called many times from blocked and unknown numbers as early as XXXX XXXX with robot messages. My insurance has paid this company on {$2700.00} already. The payment plans and financial assistance programs offered by XXXX is not within my range of affordability. They are a healthcare entity that does not care that patients that have health issues are struggling just as anyone else is on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
They are absolutely harassing me at this point, calling 10,20,30 times a day. Non stop is absurd, and impersonating law enforcement and sometimes a judge

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 2025-05-28 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: NY

Complaint narrative:
Im in an incredibly difficult situation as a victim of identity theft. These items do not belong to me, and the ongoing fraud is tearing me apart. Every day, its causing me immense stress and stealing my peace of mind. The accounts include : XXXX XXXX - Mortgage - opened in XXXX XXXX XXXX - Auto Lease - opened in XXXXXXXX XXXX - Charge Account - opened in XXXX XXXXXXXX XXXX - credit card - Account number XXXX - opened in XXXX XXXX - charge account XXXX opened in XXXX XXXX XXXX  - credit card - Account number XXXX - opened in XXXXXXXX XXXX - Auto loan - opened in XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Collection - opened in XXXX Also as part of this identity theft i found out the following inquiries, that i never authorized : XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Someone contacted my mother to set up a payment plan for a credit card debt. They didnt disclose the amount to her but nonetheless informed her of my debt. This has created tension between myself ( XXXX ) and my mother. These people call my phone everyday all day. Ive told them that I can not pay it at this time seeing how immigration has had me out of work for months now. But harassing me and contacting my family about this is unacceptable and I believe illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. Enclosed are a list of disputed items and my Identity Theft Report filed with the FTC.

Please investigate and confirm in writing once the corrections are made. Thank you for your prompt attention.

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