vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am writing to dispute inaccurate and fraudulent information that is appearing on my credit report. I am a victim of a data breach and identity theft, and as a result, accounts and/or information that do not belong to me have been reported under my name. These items are incorrect, incomplete, and are causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], I am formally requesting that the consumer reporting agency block the reporting of any information on my credit file that results from identity theft. Section 605B provides victims of identity theft the right to have fraudulent information resulting from such theft permanently removed from their credit reports once appropriate documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am writing to dispute inaccurate and fraudulent information that is appearing on my credit report. I am a victim of a data breach and identity theft, and as a result, accounts and/or information that do not belong to me have been reported under my name. These items are incorrect, incomplete, and are causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], I am formally requesting that the consumer reporting agency block the reporting of any information on my credit file that results from identity theft. Section 605B provides victims of identity theft the right to have fraudulent information resulting from such theft permanently removed from their credit reports once appropriate documentation is 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: PR

Complaint narrative:
UCB Complaint Complaints against United Collection Bureau ( UCB ) include harassment, attempting to collect invalid debts, failing to provide debt proof, and misrepresenting information to credit bureaus. Although UCB is a legitimate debt collection agency, numerous complaints have been filed against them. 
Common Complaints AgainsXXXX UCB XXXX : UCB has been accused of harassing individuals. 
False Debt Collection : The agency has been known to try and collect debts that people do not actually owe. 
Failure to Provide Debt Evidence : UCB has been known to fail to provide proof of the debt they are trying to collect an unknown authorized debt, some has sold my information phone num which is a company phone number not authorized continuing to harassing, viciously. 
Credit Report Inaccuracies : The agency has also been accused of providing false information to credit bureaus. 
Find which company has contact UCB to collect any debt and who sold my information to this collection that allegedly has own account information and origin, when the account was originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt that you have placed in collections under my name. I recently discovered this debt, which you claim originated from XXXX ( XXXX ). However, as you may be aware, XXXX XXXX XXXX, along with affiliated debtors, filed for XXXX  XXXX on XX/XX/XXXX, in the United States Bankruptcy Court for the Southern District of Texas, Case No. XXXX ( XXXX ). Subsequently, on XX/XX/XXXX, the cases were converted to XXXX  XXXX proceedings. 


Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I am requesting the following : 1. Validation of the Debt- Provide proof that I legally owe this debt, including the original signed agreement and a detailed payment history. 

2. Proof of Your Legal Right to Collect - Documentation showing that XXXX legally acquired this debt and that it was not XXXX in XXXX 's bankruptcy. 

3. Proof That This Debt Is Still Enforceable - A statement confirming that the debt has not been XXXX or rendered uncollectible due to XXXX 's bankruptcy. 


If you can not provide proper validation of this debt, I request that you cease all collection efforts, remove this account from my credit report, and confirm in writing that this matter is resolved. 


Furthermore, if you continue reporting this debt without proper validation, I am prepared to file disputes with the Consumer Financial Protection Bureau ( CFPB ), my state 's Attorney General, and the Federal Trade Commission ( FTC ) for potential violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 


Please provide the requested information within 30 days of receiving this notice. If you fail to do so, I will assume this debt is invalid and will demand its immediate removal from my credit report. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am requesting reinstatement of my {$300.00} annual XXXX XXXX travel credit. 

I booked travel on XX/XX/year> through Capital One XXXX and applied my {$300.00} XXXX XXXX travel credit. 

I was forced to cancel the reservation on XX/XX/year> because both my husband and I contracted XXXX. 

I attempted to rebook travel on the same day ( XX/XX/year> ), but the {$300.00} travel credit was no longer available. 

At no point during booking, cancellation, or follow-up communication was I informed that the credit would be forfeited or unreinstated if I canceledeven though less than XXXX hours had passed since the credit was issued and well before my annual credit expiration date. 

This lack of clear disclosure is inconsistent with the XXXX X Benefits Guide and with fair consumer practices. I am requesting : Immediate reinstatement of the {$300.00} travel credit to my Capital One XXXX account, or An equivalent {$300.00} statement credit to my Venture X account. 

Please provide a written response within 14 days. If unresolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the day of XXXX XX/XX/year> around XXXX XXXX, I was working part time as a XXXX driver near XXXX. I saw a guy selling phone glass guards and covers in the parking lot. I approached him to buy XXXX for me and I handed over my phone to him for fixing the same. I was standing near him and looking around. Once he was done I came back home. After somedays on XXXX of XXXX I checked and found XXXX unauthorized XXXX transactions in my account. 

I immediately contacted my bank for that and filed a fraud claim request. However, they rejected my request. I further wan na inform you that I didn't authorize those transactions and those happened at the same time and day I handed my phone to that guy. I doubt he has done something. 

Please help me in 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 explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
I am still being harassed by a creditor who sold a debt to a law firm to settle a debt. The firm hired someone to harass me for a Debt that was being paid before the Law firm decided to serve me for a debt that was already settled. They have visited my mailing address 5 times in 1 month after 2 payments were submitted to the firm in regards to the debt by Lloyd & McDaniel, PLLC. Also, a XXXX XXXX showed up again this morning ( XXXX ) to serve documents on an already settled claim with Lloyd & McDaniel, PLLC. I reached out to the firm before the first payment was received due to not being able to settle the debt on the website given via a correspondence document sent by mail to my mailing address in XXXX  regarding the claim. I submitted payments for the said account number addressed in the correspondence document until the website was updated to accept a settlement. Two months after the debt was settled, the firm start harassing me in regards to a debt that was already settled and payments were being processed prior to the servicer showing up to my mailing address 5 times in 1 month. And again today ( XXXX ), the XXXX shows up to serve documents again on a already settled claim. Also, after receiving XXXX payments in XXXX from the same checking account that was scheduled again to come out in XXXX a letter was received to confirm the scheduled payment by mail on XXXX. Today ( XXXX ) the Sheriff arrived to serve documents again on a settled claim, a letter was received after the Sheriff left, stating the account routing and checking account number was returned due to being invalid. Prior to today, I reached out to my bank a couple of days after the scheduled payment was scheduled to debt my account to confirm if a payment was showing pending from the same Debt Collector. Due to the harassment from the debt collector on a already settled claim. My bank advised there were no pending charges against my account for the same Debt Collector that debited the same account a month before the scheduled transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-12 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:
On XX/XX/year>, I mailed Equifax a certified Method of Verification ( MOV ) request regarding multiple disputed accounts. XXXX confirmed delivery on XX/XX/year>. In my letter, I requested the furnisher contact information, the procedure used to verify, original agreements, DOFD, payment histories, itemized balances, and removal of inaccurate personal information. 

Equifax did not provide this. Instead, they returned verified results without MOV documentation. My XX/XX/year> Equifax credit report still shows the same inaccurate items : XXXX XXXX XXXX {$9900.00} charge-off still reporting, no DOFD, lien release XXXX or validation provided. 
XXXX XXXX XXXX {$240.00} collection remains with no ownership or billing proof. 
XXXX Still derogatory, no validation. 
Possible Financial Multiple accounts still reporting, some paid, some derogatory, duplicates unresolved. 
XXXX Still derogatory, no contract or XXXX provided. 
XXXX XXXX Still derogatory, no MOV documents produced. 
XXXX XXXX  XXXX XXXX, late pays reported differently across bureaus, no payment history validation. 
Personal Information Outdated addresses and name variations remain. 

This demonstrates Equifax failed to comply with FCRA 611 ( a ) ( 7 ) ( failure to provide MOV ) and 607 ( b ) ( maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number : 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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
Collection agency continues to try to collect XXXX in fees from past due amount paid in full to XXXX XXXX XXXX in XXXX. They are not authorized to charge fees in addition to balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX DC XXXX Subject : Equifax Dispute of accurate XXXX XXXX XXXX Mortgage Mortgage XXXX Account Dear CFPB Representative, I am writing to formally file a complaint and request an investigation regarding accurate information being deleted by Equifax concerning my REAL ESTATE Mortgage account with XXXX Mortgage Mortgage XXXX. Equifax recently deleted my real estate XXXX Mortgage Account Information : Creditor : XXXX Mortgage / XXXX Mortgage Corporation Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXX Term : 276 months ( 23 years ) Payment History : 100 % on-time payments Last Payment Made : XX/XX/XXXX Current Status : Current, never late Issue : Equifax recently XXXX this account from my report. My account is in good standing with no late or missed payments. I have consistently made every payment on time since the account was opened. The current balance and payment history should reflect the accurate standing of this mortgage loan. Requested Resolution : Reinsert the reporting of my XXXX Mortgage Mortgage XXXX account to accurately reflect : Payment status : Current, never late Accurate balance : {$82000.00} Accurate highest balance : {$89000.00} Accurate monthly payment : {$1100.00} Accurate payment history : 100 % on-time I respectfully request that this matter be investigated promptly and that Equifax be XXXX to correct accurate information. Please notify me in writing once the investigation is complete. Thank you for your assistance in ensuring fair and accurate credit reporting. Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Equifax Dispute of accurate Credit Reporting XXXXXXXX XXXX XXXX XXXXXXXX Account Dear CFPB Representative, I am writing to formally file a complaint and request an investigation regarding accurate information being deleted by Equifax concerning my REAL ESTATE Mortgage account with XXXX XXXX XXXX XXXXXXXX. Equifax recently deleted my real estate XXXXXXXX XXXX  Account Information : Creditor : XXXX Mortgage / XXXX Mortgage Corporation Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXX Term : 276 months ( 23 years ) Payment History : 100 % on-time payments Last Payment Made : XX/XX/XXXX Current Status : Current, never late Issue : Equifax recently XXXX this account from my report. My account is in good standing with no late or missed payments. I have consistently made every payment on time since the account was opened. The current balance and payment history should reflect the accurate standing of this mortgage loan. Requested Resolution : Reinsert the reporting of my XXXXXXXX XXXX XXXX XXXXXXXX account to accurately reflect : Payment status : Current, never late Accurate balance : {$82000.00} Accurate highest balance : {$89000.00} Accurate monthly payment : {$1100.00} Accurate payment history : 100 % on-time I respectfully request that this matter be investigated promptly and that Equifax be directed to correct accurate information. Please notify me in writing once the investigation is complete. Thank you for your assistance in ensuring fair and accurate credit reporting. Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I am a victim of identity theft. Please see the attached police report, FTC Identity Theft Report, and corresponding CFPB claim number for verification. 

All accounts listed in the attachments are fraudulent and were opened without my knowledge, consent, or authorization. Pursuant to 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), you are required to block and remove these accounts from my credit file within four ( 4 ) business days of receiving this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief