vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX inaccurate and unlawful credit reporting on my student loan account XXXX on XX/XX/2025. 
XXXX XXXX is reporting a 60-day late payment on my credit report. This information is completely false. I have never been 60 days late on this account, and I have never missed a payment in a manner that would justify this level of delinquency. 
Most importantly, XXXX XXXX never reported a 30-day late payment on this account. A 60-day delinquency can not legally or logically exist without a prior 30-day delinquency. Reporting a standalone 60-day late payment is misleading, inaccurate, and not verifiable. 
I previously disputed this error directly with XXXX XXXX, yet they failed to correct or remove the inaccurate information. Their failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or misleading information. Under 15 U.S.C. 1681e ( b ), they must maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, the furnisher must conduct a reasonable investigation and correct or delete any information that can not be verified as accurate. 
A reported 60-day delinquency without any prior 30-day delinquency is inherently inaccurate and demonstrates that XXXX XXXX failed to conduct a reasonable investigation. This false reporting is causing significant harm to my credit profile.

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 2025-12-29 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 a victim of identity theft. Two fraudulent accounts ( an auto/loan tradeline and a credit card tradeline ) were opened and/or reported under my credit file without my authorization. These inaccurate items have been reporting on my credit report and have caused ongoing harm ( credit denials/credit score damage, higher borrowing costs, and repeated time spent disputing and mailing documentation ). 

I have repeatedly tried to resolve this directly with the credit reporting agency. I have submitted eight ( 8 ) prior written demands/disputes requesting that the identity-theft information be blocked and removed, not simply updated or marked verified. I have also provided a complete identity theft documentation package, including an FTC Identity Theft Report, a police report, and proof of identity and address. Despite these complete submissions, the fraudulent accounts have not been permanently blocked/removed and the matter remains unresolved. 

Key timeline/ actions taken ( summary ) : XXXX : I discovered identity-theft accounts appearing on my credit report and began disputing them. 
Multiple times ( 8 total submissions ) : I submitted written disputes/demands requesting the accounts be blocked as identity theft and provided supporting documentation ( FTC Identity Theft Report + police report + proof of identity/address ). 
Most recent submission : XX/XX/year> I sent a final written demand referencing the credit reporting agencys obligation to block identity-theft information under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking within 4 business days of receiving the required information.

Current status : The fraudulent accounts continue to report and/or the agency has not provided adequate proof, a clear method of verification, or a lawful basis to refuse the required block.

In addition, the credit reporting agency has also continued to report inaccurate personal information ( incorrect addresses ) and has not corrected my file to ensure maximum possible accuracy, even after 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capitol One has been persistently mailing me card applications despite my attempts to get off their list, putting myself on do not mail lists etc. I want them to stop spamming mailing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This CFPB complaint was also sent via certified mail to preserve notice and evidence ; its against XXXX Columbia Debt Recovery XXXX. I requested an investigation because theyre misrepresenting crucial information and trying to collect the wrong amount. I have disputed the amount and they refused to investigate it because it is correct for them. Theyve harassed me by text, phone, email. This last interaction by phone call on XX/XX/year> XXXX they stated They got me no matter what and that this would continue to be reported to the credit bureaus and affect my credit. This indeed has affected my life. This inaccurate reporting and collection activity has directly prevented me from securing housing, contributing to homelessness and severe emotional distress. This collection agency works for XXXX XXXX XXXX and I have tried to request the proper and Correct documentation from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Received debit card in the mail. Unable to activate card. 
I have a new phone number. Number on file is not the correct number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
Consumer Name :, Consumer Social Security Number:XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
Consumer Name :, Consumer Social Security Number:XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
I sent a cease and desist to IQ Data XXXX instructing them per fair credit protection act that I do not want to deal with them, that I only want to deal with original creditor. I requested that they remove any negative info they have on my credit report. I have been trying to get them to remove this information for 2 years. I have sent multiple cease and desist letters, I have submitted multiple disputes on my credit report and called IQ Data. They refuse to remove the information from my credit report. They are extremely rude and aggressive and told me that they do not have to comply with the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: HI

Complaint narrative:
This complaint is NOT a duplicate of previous filings. 
It concerns newly discovered forensic evidence of document fabrication and materially inconsistent statements made by The Bank of New York Mellon ( XXXX ) during the CFPB process. 
In previous 4 responses ( e.g., Case # XXXX plus XXXX ), XXXX stated they 'do not have the authority to service the Loan ' and directed me to a third party. 
However, in XXXX  XXXX XXXX XXXX ( Case # XXXX ), XXXX successfully claimed to be the 'Holder in Possession ' of my original wet-ink Note. 

This complaint specifically challenges the authenticity of the Note currently held by XXXX  agent, XXXX. 
New forensic analysis proves the Note exhibits are digital fabrications because : The original physical 'NTE ' barcode has been deleted and replaced by system-generated metadata ( XXXX ) in recent filings. 

The barcode vanished entirely between XXXX 's XXXX filing ( Docket XXXX ) and their XXXX filing ( Docket XXXX ). 

XXXX  own records ( Docket XXXX, Exhibit XXXX ) prove the 'Note Location ' was manually manufactured by a user ( XXXX XXXX XXXX just days before the lawsuit. 

XXXX can not use the CFPB to hide behind a 'Master Servicer ' when they are the party claiming legal possession of the debt instrument in court. 
I request a full investigation into these forensic inconsistencies. '' Visual Evidence ATTACHMENTS : " Forensic_Proof_of_Note_Fabrication.pdf '' and include : Page 1 : The barcode from your XXXX Original ( NTE ). 
Page 2 : The barcode from the XXXX Letter ( XXXX ... XXXX ). 
Page 3 : The barcode from Docket XXXX, XXXX. 
Page 4 : The " Vanishing Barcode '' comparison ( Docket XXXX vs. Docket XXXX ). & The " XXXX XXXX '' manual entry screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: RI

Complaint narrative:
Nelnet never reported my account paid in full ( which happened in 2023 ). I contacted them to request they report my account paid in full to the credit bureaus ( which still shows a balance at a time when I am applying for a mortgage ) and told me there was nothing they could do to rectify this error. It has been almost three years and it is unacceptable that they refuse to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report with inconsistent and inaccurate information across the credit reporting agencies. The account is attributed to Midland Credit Management XXXX XXXXXXXX XXXX  ; however, the original creditor, collection agency name, and account status are reported differently by XXXX XXXX XXXX XXXX 

XXXX  reports the account as account seriously past due/ assigned to collections, while other credit reporting agencies list different original creditors or collection agency information. This indicates the information is not being reported accurately or consistently as required by the Fair Credit Reporting Act. 

I previously disputed this account, and it was marked as verified ; however, no documentation was provided to explain or correct these discrepancies. I am requesting a meaningful investigation and either correction of the inaccurate reporting or deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have requested multiple times for a copy of the account ledger with the property managers original signature on it. I was given a copy of the original lease but I have not been provided with a copy of the account ledger with the signature. I have requested that if the debtor can not provide the info requested within the next 30 days that all information be removed from all 3 credit reports IMMEDIATLY as it it severely adversely affecting my credit history and worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
A loan that was on my credit that I didnt apply for. I called the company to see why this was on my credit and they said they would send me information. I still have not received any information. I would like to resolve this situation because I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested full debt validation on XXXX request was for the original contract between myself and the original creditor to establish the debt. A complete unbroken chain of title for the original creditor and Portfolio Recovery Assoc. demonstrating your legal ownership of the amount requested. This must include all assignment agreements and bill of sales. And lastly, a detailed accounting of how a balance of {$5800.00} was calculated, including all principal and interest and fees itemized from a XXXX balance.

Company response to consumer: Closed with non-monetary relief