vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed a collection account that is being reported on my credit report. 
As part of my dispute, I requested validation of the alleged debt from the collection agency, including documentation proving the debt is mine and that the agency has the legal right to collect it. 

The collection agency failed to provide any validation or documentation. 
Despite failing to validate, they continued reporting the account to the credit bureaus. 

The credit bureau verified the account without the collection agency supplying actual validation, which violates the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ).

A furnisher can not legally report information that has not been validated when requested, and a credit bureau can not verify information without proof. 

I am requesting that the CFPB intervene and have this unvalidated account deleted from all of my credit reports. I also request a written explanation of how the account was verified without any documentation being provided

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
The collection agency Jefferson Capital Systems LLC is reporting an inaccurate and illegal Date of First Delinquency. In regards too the account in the amount of {$320.00} original creditor being XXXX XXXX. This account had been opened in 2022 and then closed. 
They have attempted to re-age the account, which violates the FDCPA and FCRA. 
Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Re : Complaint Letter to Delete Inaccurate Information I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Your XXXX possible loan According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 168lj, there XXXX XXXX XXXX for this notification.

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 2025-12-03 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 explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I did not open or give permission for these accounts, and they appear on my report incorrectly. I kindly ask that you review the information and delete them as necessary. Supporting evidence is attached.

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 2025-12-03 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports. I believe that the information listed below is inaccurate or incomplete and requires correction under the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be thoroughly investigated and updated accordingly. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern : * * I am filing this complaint regarding improper force-placed insurance practices and inadequate customer service by my mortgage servicer, Capital One XXXX XXXX  ( previously XXXX XXXX XXXX ). 

Although I have had continuous homeowners insurance including wind and hail coverage, Capital One force-placed an insurance policy on my loan without verifying whether I already had coverage. They did not contact my insurance agent, did not request documentation beyond standard form letters, and made no reasonable effort to confirm coverage before charging my escrow account. 

When I contacted customer service to dispute the force-placed policy, I was repeatedly denied access to a supervisor. I was placed on multiple extended holds and ultimately told someone would call me back, but I never received a return call. This made it extremely difficult to get the issue addressed. 

Eventually, after significant effort on my part, Capital One acknowledged that I did have valid coverage, removed the force-placed policy, and issued a refund. While I appreciate that the charges were reversed, the process was unnecessarily stressful, time-consuming, and handled very poorly. 

My concern is that Capital Ones force-placement procedures and customer service practices appear inadequate and may harm other consumers. If they did not contact my insurance agent or verify coverage in my case, it seems likely this could be happening to others as well. I am submitting this complaint to request that the CFPB review their procedures and ensure compliance with RESPA requirements regarding verification of insurance and proper borrower communication. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
I am disputing a debt reported by Central Portfolio Control for {$18000.00}. I have no knowledge of this debt and never agreed to any account or contract with the original creditor, XXXX XXXX XXXX XXXX. 

I requested proper validation under the Fair Debt Collection Practices Act, asking for a copy of the original signed agreement, full account history, and proof of assignment. The company responded with a generic document that did not meet legal requirements and listed an address where I have never resided. 

Despite the lack of validation, they reported this account to all three credit bureaus, negatively impacting my credit. I have submitted disputes with XXXX XXXX XXXX XXXX  The company has refused to remove the item or provide proper proof that I owe this debt. 

I am requesting that the CFPB investigate this matter and require the company to remove the account if it can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I disputed a collection account that is being reported on my credit report. 
As part of my dispute, I requested validation of the alleged debt from the collection agency, including documentation proving the debt is mine and that the agency has the legal right to collect it. 

The collection agency failed to provide any validation or documentation. 
Despite failing to validate, they continued reporting the account to the credit bureaus. 

The credit bureau verified the account without the collection agency supplying actual validation, which violates the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ). 
A furnisher can not legally report information that has not been validated when requested, and a credit bureau can not verify information without proof. 

I am requesting that the CFPB intervene and have this unvalidated account deleted from all of my credit reports. I also request a written explanation of how the account was verified without any documentation being provided

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 2025-12-03 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: FL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Collections, LLC
State: KY

Complaint narrative:
They just continue call and leave a recored voicemail. I get about XXXX or more a day. They sometimes change the number. It is really getting bad. I call a lawyer that takes care of this kind of thing, she said it was a fraud. XXXX XXXX XXXX XXXX XXXX 
I think I misspelled it. It is in Illinois. 
She said they were not the real company. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Correspondence sent to XXXX and Transworld on XX/XX/year> disputing debt and to vacate the XXXX  offset. XXXX responded on XX/XX/year> stating " Your accounts is with our third party collection agency, TSI. '' TSI has not responded at all. 
These alleged debts are over XXXX XXXX XXXX, way outside of the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I co-signed a vehicle that was repossessed because I was not aware the payments were no longer being made. I am a single mother of a very sickly special needs little girl. I explained my situation to the creditor of at the time being unemployed due to her being ill. I was told I was no longer responsible for this debt as I was not the original owner however it is still showing up on my credit report as a collection item.

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 2025-12-03 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports. I believe that the information listed below is inaccurate or incomplete and requires correction under the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be thoroughly investigated and updated accordingly. 

Charged Off Accounts : 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 XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I went to deposit {$500.00} in {$100.00} bills. I inserted my bank card and then it asked me what I wanted to do so I hit the deposit button. The machine then spit out my card with no receipt. I immediately went into the bank where they filled out a claim for me. I was told that they were having trouble with the outside ATM machine. There was no note on the machine specifying that there was problems, but the associates inside the bank says that they were having trouble with it. Its been XXXX days and I have not heard anything. XXXX is around the corner. I am a single grandmother raising my grandson I would like my money in my bank account as I work very hard. XXXX told it will take 90 days as a consumer. I can not wait 90 days for my money. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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:
The accounts listed do not belong to me, nor did I grant any authorization for their establishment. Please examine the details and take appropriate action to remove them. I have provided documentation to support my request.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account No . XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I maintained a long term relationship with Discover since 2012 and have a large credit limit of {$18000.00} which I did not exceed 30 %, in contrary my total balance was only {$160.00} and missed payment. My credit scope went down from XXXX to XXXX just because of that. This is not reasonable and good faith act on behalf of Discover. I would like to restore my credit score and request Discover to remove the missed payment for this time. I planned to apply for loan for my daughter 's college and buy her a car with my good credit before, but now with XXXX all things have changed.

Company response to consumer: Closed with explanation