vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In early 2024, my mortgage with Nationstar Mortgage ( Mr. Cooper ) was placed into an FHA Recovery Modification and Partial Claim program. I received written confirmation dated XX/XX/year>, stating that I was approved for the modification and required to complete a three-month trial payment plan with payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. During this period, I was not required to make my regular payments under the original loan terms because those missed months were being capitalized and added to the end of the loan. 

Despite this arrangement, Nationstar/Mr. Cooper reported my account as XXXX  days late from XXXX through XX/XX/year> to the credit bureaus. I contacted them and provided documentation showing that I was under an approved payment arrangement. They responded that they could not change the reporting because they must submit accurate information, even though these delinquencies were caused by the modification structurenot missed payments. 

This inaccurate reporting has significantly hurt my credit score and does not reflect the reality that I was in a lender-approved plan and fully compliant with the programs requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the deletion of this incorrect account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-10-31 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: NY

Complaint narrative:
I respectfully request that you investigate the following disputed accounts listed on my Experian credit report. These accounts are reported as charged-off, but I believe they may not accurately reflect the true status of my credit 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

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing the inaccurate reporting of the following account : Capital One Account Number : XXXX Opened : XX/XX/year> Balance : {$0.00} Status : Closed Despite the balance being {$0.00} and the account being closed, XXXX  continues to report the account as a Charge-Off. Meanwhile, XXXX  reports the same account as Open, and XXXX  reports it as Closed / Charge-Off. The status, remarks, and payment history do not match across bureaus.

This means the information being furnished is not accurate, not consistent, and not verifiable. 
This violates : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( b ) Failure to correct after dispute notice I previously disputed this account directly with Capital One and XXXX  ( proof attached ). No correction was made, and the bureaus continue to report contradictory data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Midland Credit Management. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Midland Credit Management can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and XXXX The date the account was acquired by or assigned to Midland Credit Management XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been with national debt for 6 months now and Im still getting constant calls about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXSubject: Request for Debt Verification and Investigation Under the Fair Credit Reporting Act (FCRA)  LVNV Funding LLC\n\nDear XXXX Dispute Department,\n\nI am writing to formally request verification and validation of a debt that appears on my credit report under the name LVNV Funding LLC. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C.  1681), I am disputing the accuracy and legitimacy of this account and request that XXXX  and CFPB conduct a full investigation into the matter.\n\nThis account has been reported as a collection or charged-off debt; however, I have not received verifiable documentation establishing that LVNV Funding LLC has a legal right to collect or report this account in my name. Specifically, I request that LVNV Funding LLC provide:\n\t\n1.\tVerification of the original creditor and the date of account origination;\n\n\t2.\tProof of assignment or ownership granting XXXX  authority to collect or report this debt;\n\n\t3.\tA complete payment history and record of any charges or fees; and\n\n\t4.\tCopies of any signed agreements or contracts linking this alleged debt to my personal accounts.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Unauthorized re-debits by Beyond Finance after partial refund Follow-up to CFPB Complaint # XXXX To Whom It May Concern, This is a formal follow-up complaint regarding Beyond Finance LLC, connected to a previous CFPB complaint : # XXXX, which was marked as closed. 
After the original complaint, my bank ( XXXX ) issued a partial refund for unauthorized debits made by Beyond Finance, as I had canceled my enrollment and requested a full program refund. However, shortly after that, Beyond Finance re-debited those funds from my account without my consent. 
These new transactions occurred after I had clearly terminated the program and disputed the charges, and despite the fact that the CFPB process was ongoing. 
I am now formally requesting that the CFPB reopen the case or initiate a new investigation, focused on : The unauthorized re-debiting of funds already refunded by the bank. 
The use of a prior contract to justify debits after program cancellation. 
The lack of any breakdown or transparent accounting of how the amounts were earned or retained by Beyond Finance. 
I also want to reiterate that the original reason for cancellation was due to : Failure to meet the verbally promised timelines Negative credit impact, including a significant drop in my husband 's credit score And a lack of clear disclosures or written explanation of how my payments were used I respectfully request that : Beyond Finance provide a full and itemized ledger of all funds collected. 
They justify any re-debits post-cancellation. 
The CFPB review the validity of debiting funds that had already been reversed through a dispute process. 
Unfortunately, I was unable to upload attachments directly in the previous feedback form. 
Please advise how I can submit supporting documentation, including : Bank statements showing the original debits and reversals Communications related to the cancellation CFPB response history And XXXX  documentation of the partial refund Thank you for your continued assistance. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$830.00} from an XXXX seller named XXXX XXXX I paid {$180.00} using my XXXX   XXXX XXXX XXXX and {$650.00} using my Navy Federal Credit Union ( NFCU ) XXXX XXXX. After the package showed no movement for 10 days, I contacted the seller, who told me they would file a claim with XXXX. On XX/XX/XXXX, I contacted XXXX myself, and they confirmed over the phone that the package appeared lost and that they would initiate their own investigation. On XX/XX/XXXX, the seller somehow obtained my personal phone number ( which I never shared ) and called me to say the package was now back in transit and insured. On XX/XX/XXXX, the package was marked as delivered, but when I opened the box, it was completely empty, containing only cardboard and packing materialno laptop and no invoice/slip inside. I immediately contacted the seller and provided photos of the empty box. The seller never responded and instead escalated the issue to XXXX XXXX XXXX. XXXX told me I needed to file a police report to proceed with a fraud claim. I went to the police station on XX/XX/XXXX, and filed the report, which I can provide. Fearing XXXX would side with the seller, I filed chargeback disputes with both XXXX  XXXX and Navy Federal, submitting all relevant documentation, including a key discrepancy : XXXX tracking indicated the package weighed only XXXX pounds, while XXXX  official website states the laptop alone weighs XXXX poundsmeaning the laptop could not have been in the box. Furthermore, I noted that the package had no invoice or supporting documentation inside. Today, XX/XX/XXXX, I received notice that XXXX XXXX sided with the seller, reversed the temporary credit, and is charging me {$650.00} again solely on the basis that the package was deliveredcompletely ignoring that the contents were missing. I have done everything in good faith to resolve this issue and believe I was scammed. I am requesting the Consumer Financial Protection Bureaus assistance in disputing this charge and recovering my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: WI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-31 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXXACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a negative account that I have been making payments to bring current, even though I was making payments [ without an official arrangement, my entire paycheck was drafted from an additional account, and added to the negative balance. 

I called into the bank and made an official arrangement, XXXX told that would prevent any other deductions from taking place as long as I adhere to the arrangement. The very next day, my entire paycheck was deducted again. I called and asked for emergency funds to be replaced because I need to take care of my household, I was told they can not do that, and I have to wait for the money to be reversed. Unfortunately, this has now created hardship for me and my family.

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 monetary relief