vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am disputing a debt being collected by XXXX XXXX, PA Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I exercised my right to request validation of the alleged debt. The law office provided documentation ; however, I dispute the accuracy, ownership, and validity of the alleged account.

Under 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activity until proper verification is provided. Despite my written dispute, I continue to receive collection letters from this office.

I am requesting that the CFPB review this matter and ensure the collector complies fully with the FDCPA and halts all collection activity until complete and verifiable proof of the alleged debt is provided in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-23 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 Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX * * * * * * * * * XXXX XXXX XXXX - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> AUTODIRECT - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX my identity theft was thought to have occurred since then I have suffered major financial losses and unable to get into appropriate communication again to resolve issues. I am now doing this as I have to apply for a debt consolidation loan and in order to be approved for my ability to have your debt before penalty fees for being late be paid in full I need your help to resolve the situation by removing all penalties for not making timely payments. I now am in debt to not only you but three other companies that I will be contacting through FCPB TO ESTABLISH HELP STABILIZE DEBTS BY HAVING THE ABILITY TO BE APPROVED FOR A DEBT CONSOLIDATION LOAN TO PAY ALL CREDIT CARD COMPANIES REMAINING DEBT MINUS ALL PENALTIES FOR LATE FEES ECT. OTHERWISE I WILL NOT BE ABLE TO MAKE ANY TYPE OF PAYMENTS. MY INCOME IS SSI FOR BEING DISABLED AND ONLY {$960.00} A MONTH. I SINCE OCCURRED IDENTITY THEFT HAVE LOST ACCESS TO SEVERAL ACCOUNTS FOR ADVANCED LOAN OPTIONS AFTER CONTACTING AND VERIFIED IDENTITY WAS STILL BLOCKED Such AS TILT Which IS FORMERLY KNOWN AS EMPOWER AND THEY HAVE TRIED TO OPEN MY ACCOUNT XXXX TIMES WHICH MEANS I HAVE TO CHANGE MY PHONE NUMBER AND EMAIL ADDRESS AND STILL BLOCKED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
This account is not mine. I never opened it, nor authorized anyone to open it in my name. I have disputed this account with the credit reporting agencies, but it continues to be reported as charged-off with a past-due balance of {$1600.00}. I have requested that XXXX XXXX  provide full validation, including the original signed contract and supporting documentation proving I am the legal owner of this account. If they can not provide such verification, the account should be permanently deleted from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I signed up for a new Bank of America XXXX account on XX/XX/year>, utilizing their " XXXX '' bonus offer which stated a {$500.00} bonus with {$10000.00} or more in direct deposits within 30 days. 

I received a {$10000.00} direct deposit from XXXX on XX/XX/year>, and maintained a {$500.00} balance to ensure no monthly fees. 

The bonus was to be posted within 30 days, and there is no bonus on my account.

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: LA

Complaint narrative:
My husband and I applied for a personal home mortgage loan with XXXX of XXXX Mortgage. Both of us are self-employed. The denial stated that we did not meet the liquidity requirement. 
On XX/XX/year>, XXXX XXXX confirmed that Lines XXXX and XXXX of Schedule L were used to determine liquidity, which is incorrect under Fannie Mae XXXX XXXX and Selling Guide XXXX. Those lines represent total assets and total liabilities + equity, not current assets and current liabilities. Using them falsely shows a XXXX ratio regardless of actual liquidity. 
When I escalated the issue, XXXX XXXX XXXX XXXX called and said he did not have time to review the issue and that I should move on and stop pushing it. He also refused to provide copies of our XXXX XXXX, calling them internal documentation. 
Our credit was pulled for this application resulting in a hard inquiry caused by an incorrect underwriting decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX I sent a dispute letter via certified mail via the UPS store XXXX The XXXX store verified Transunion received my documents on XX/XX/year>. My private information was impacted in a XXXX breach incident. Which include notification that my Social Security number is on the dark web. The letter include a copy of a police report. 

I advised Transunion, that I am writing to formally dispute the accuracy and completeness of information listed on my credit report maintained by their agency. And also, I never gave written consent to furnish or obtain my personal information. Therefore I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that you : XXXX a reasonable reinvestigation of the disputed information. 

Review and consider all relevant information I am providing with this letter. 

Notify the furnisher of the disputed information. 

Delete or correct any inaccurate, incomplete, or unverifiable information. 

Provide me with written results of your reinvestigation within 30 days of receipt of this dispute. XXXX, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and to pursue all available legal remedies under 15 U.S.C. 1681n and 1681o, including but not limited to actual damages, statutory damages, punitive damages, costs, and attorneys fees in a civil lawsuit that will be filed in 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
My old charge of " MALICIOUS DESTRUCTION OF FIRE OR POLICE PROPERTY ATTEMPTED ( XXXX ) '' was changed to " POLICE XXXX - ASSAULTING/RESISTING/OBSTRUCTING ( XXXX ) ''. Please correct this issue, it is restricting me from gaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Navy federal sent me a letter saying my business account is negative and to call in however when I call in from my number it automatically blocks me. When I call in from a different number they hang up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX CARD - XXXX * * * * * * XXXX XXXX CARD - XXXX * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2024

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
The death of my wife in XXXX, XXXX created a financial hardship. I knew I was going to start falling short on the payments, I contacted the mortgage company in XX/XX/XXXX to try to negotiate a 3 month deferment. I was told that since I was current on my payments, there was nothing they could do, couldn't even discuss what happens when I do go in arrears. As of XX/XX/XXXX I have been unable to make my payments. I contacted the mortgage company in XXXX seeking a 3 month deferment so that i could get my finances better secured. Denied, no qualifying hardship. 
I started contacting the mortgage company again in early XXXX after I finally secured employment. I was seeking to establish a repayment plan of the regular mortgage plus an additional amount to apply to the balance. I filled out their " Application For Success '' to get the process started. My application was denied 'no qualifying hardship ' as if the loss of income due to a death is not a hardship. It turns out that the application was automatically denied because I was not 'delinquent enough " This process is designed to force people into foreclosure, not to find ways to avoid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | SSN : XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX Subject : Formal Dispute & Validation Demand LVNV Funding LLC / Alleged XXXX XXXX Account To Whom It May Concern, I am formally disputing the accuracy and validity of the LVNV Funding LLC account reporting on my consumer file. This account is being reported in violation of the Fair Credit Reporting Act ( 15 U.S.C.

1681e ( b ), 1681s-2, 1681i ), Metro 2 Compliance Standards, UCC 9-210 , and IRS Publication 535 / 26 CFR 1.166-1 regarding charged-off debts. 
LVNV Funding LLC is reporting a charged-off, re-aged account without proof of lawful ownership, assignment, or permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ). I have never granted written consent or contractual authorization for this entity to access, furnish, or sell my personal information. 
I demand immediate validation and documentation to confirm accuracy, including : 1. Original signed agreement bearing my signature.

2. Proof this debt was lawfully assigned or sold and a complete chain of title.

3. Date of original charge-off or delinquency and all updates thereafter.

4. Full accounting of the alleged balance and any commissions paid to collectors.

5. Proof of permissible purpose to access or report this information.

If this account can not be fully verified with original source documentation, you are required to delete it immediately per FCRA 611 ( a ) ( 5 ) ( A ).

Continued reporting of unverified, incomplete, or inaccurate data will be considered willful non-compliance and defamation of character under FCRA 616-617 and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 
Demand for deletion or verified documentation within 15 days of recei

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : MIDLANDCRE - XXXX * * * * * * * XXXX PORTFOLIO XXXX XXXX  * * * * * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * XXXX XXXX COLORADO - 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 XXXXXXXX * * * * * * * * * * XXXX XXXX CARD - XXXX * * * * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KS

Complaint narrative:
I was told over a month ago to open a separate NetSpend account since scammers had gotten access to my account. Every time lately I go to use my cards there is a problem and I'm told it's temporary blocked. Today I was told that the benefits I received as a veteran and single mom and my daughters benefits are going to be used for their purposes even though I need them for my personal bills and have notified them of the scammers and incidents. They are planning to take my monthly benefits and leave me and my child homeless. I don't get XXXX. I served my country. I don't get support from ex because he's a running hiding type. Yet companies like NetSpend can take my monthly check as a XXXX veteran and my XXXX child for some amount they say.

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 2025-10-23 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:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : JEFFERSNCP - 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 response to consumer: Closed with explanation