vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially misleading information on my credit report. The account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a late closed status with a {$0.00} balance, is reported inaccurately. A closed account with no balance should not continue to reflect late payment history, as this misrepresents my payment behavior and violates accuracy standards under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the repossession account from XXXX XXXX ( Account XXXX. XXXXXXXX XXXX ) showing a balance of {$7400.00} appears to contain reporting inconsistencies. The account details differ from those reported to other credit bureaus, creating confusion and potential harm to my creditworthiness. 
I also dispute multiple unauthorized or repetitive inquiries listed below, including but not limited to : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and others. These inquiries were not initiated or authorized by me and may have been made in error or as part of a broader misassociation with my file. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are legally obligated to ensure maximum possible accuracy of all information reported. Further, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants me the right to dispute any inaccurate or unverifiable data, and requires a prompt reinvestigation within 30 days.

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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received a Notice of Assignment, Sale, or Transfer of Servicing Rights from Select Portfolio Servicing ( SPS ), stating that my mortgage servicing would transfer to Mr. Cooper effective XX/XX/year>. 

I had an automated ACH payment of {$1000.00} scheduled for XX/XX/year>. XXXX later confirmed in writing that this payment was processed in error after the transfer date, and that the funds were forwarded to Mr. Cooper on XX/XX/year>. 

Mr. Cooper ultimately received and posted the transferred payment, but they applied it toward my next months payment without notifying me or giving me the option to decide how to allocate it. I only discovered this later when reviewing my account history. 

Had I been informed, I would have chosen to have this payment refunded to me ( since it was an accidental duplicate payment ) or applied entirely toward principal reduction, not as a prepaid installment. This unauthorized application changed the amortization schedule and interest calculation on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially misleading information on my credit report. The account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a late closed status with a {$0.00} balance, is reported inaccurately. A closed account with no balance should not continue to reflect late payment history, as this misrepresents my payment behavior and violates accuracy standards under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the repossession account from XXXX XXXX ( Account XXXX. XXXXXXXX XXXX ) showing a balance of {$7400.00} appears to contain reporting inconsistencies. The account details differ from those reported to other credit bureaus, creating confusion and potential harm to my creditworthiness. 
I also dispute multiple unauthorized or repetitive inquiries listed below, including but not limited to : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and others. These inquiries were not initiated or authorized by me and may have been made in error or as part of a broader misassociation with my file. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are legally obligated to ensure maximum possible accuracy of all information reported. Further, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants me the right to dispute any inaccurate or unverifiable data, and requires a prompt reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially misleading information on my credit report. The account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a late closed status with a {$0.00} balance, is reported inaccurately. A closed account with no balance should not continue to reflect late payment history, as this misrepresents my payment behavior and violates accuracy standards under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the repossession account from XXXX XXXX ( Account XXXX. XXXXXXXX XXXX ) showing a balance of {$7400.00} appears to contain reporting inconsistencies. The account details differ from those reported to other credit bureaus, creating confusion and potential harm to my creditworthiness. 
I also dispute multiple unauthorized or repetitive inquiries listed below, including but not limited to : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and others. These inquiries were not initiated or authorized by me and may have been made in error or as part of a broader misassociation with my file. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are legally obligated to ensure maximum possible accuracy of all information reported. Further, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants me the right to dispute any inaccurate or unverifiable data, and requires a prompt reinvestigation within 30 days.

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently financed a car from XXXX XXXX XXXX in XXXXXXXX XXXX. I was given a loan from Capital one auto finance on XX/XX/XXXX for a XXXX XXXX XXXX. The loan was finalized and payments were being made regularly every month. I started receiving threatening text from someone at the dealership saying that they made a mistake with my paperwork and I had to come in and sign a new contract or they will come to my house and take my car. I contacted Capital one auto finance to speak with a XXXX and was told nothing was wrong with my contract. Also that if the dealership touched my car without their permission it was illegal and to call the police. XX/XX/XXXX my car was illegally towed from behind my house. I contacted the police and found out the next day XXXX XXXX had it. When I got to the dealership I was told that they paid for the car in full and that it belongs to them now. I denied signing a new contract and ask for a return of my down payment. I was forced to sign paperwork stating that I would not report them for what they did to me if I wanted my money back. I was told that the 2 monthly payments made and both insurances paid for would be fully refunded for the amount of XXXX in a check from Capital one for overpayment. Ive contacted Capital one XXXX times since then and keep receiving false information. On XX/XX/XXXX I was told I had to wait XXXX business days. On XX/XX/XXXX I was told I had to wait XXXX business days. On XX/XX/XXXX I spoke with XXXX, the office of president. I was told XXXX business days and was given an address and told I can take them to court. Everything that was done to me was wrong and illegal and its making my everyday very inconvenient. I do not want to take legal action. I also requested a copy of my contract and still did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-21 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: CA

Complaint narrative:
I recently looked at me credit report & seen a creditor that i do not owe i asked that proof be shown that i owe the creditor ir item be removed from my credit report thank you. 
Account Name : 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX You Are Now in Violation of Multiple Federal Laws : FCRA 1681e ( b ) You must report only accurate and complete information. Reporting a late payment without verifying proper notice is inaccurate.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report responsibly. Reporting a consumer late without notice is irresponsible and unlawful.

FCRA 1681i ( a ) You are required to reinvestigate disputed items. If no supporting documentation exists, the item must be deleted.

15 U.S.C. 1666B Late fees and penalties can not be imposed unless the consumer is properly notified of due dates in a timely manner. Failing to meet this standard qualifies as a billing error. 
My Demands Final Warning : Immediately conduct a reinvestigation of each disputed late payment. 
Require the creditors to provide documented proof that proper billing notices and due dates were sent to me before any negative marks were reported. 
If no such proof exists, permanently delete these late payments from my credit file. 
Provide me with a corrected credit report and written confirmation of deletion within XXXX business days.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt. Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized breakdown of charges and fees. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Verification that you are licensed to collect debts in my state, including your license number and registered agency. 

Until this information is provided, I request that all collection activity cease. Please note that failure to provide validation within a reasonable time XXXX constitute a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt. Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized breakdown of charges and fees. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Verification that you are licensed to collect debts in my state, including your license number and registered agency. 

Until this information is provided, I request that all collection activity cease. Please note that failure to provide validation within a reasonable time XXXX constitute a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX ( Account No. XXXX * ), which is inaccurately reported on my credit file. According to my credit report, this account shows a charge-off with a high balance of {$420.00}, and the date opened is listed as XX/XX/year>. 

This information is false, misleading, and damaging to my credit profile. I have never authorized, opened, or maintained any account with XXXX XXXX. Furthermore, I have not received any documentation or correspondence from this institution verifying my ownership or obligation to this account. 

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, credit furnishers and reporting agencies are required to ensure maximum possible accuracy of information. Reporting an account that does not belong to me constitutes a violation of FCRA and has caused significant harm to my credit reputation, emotional distress, and potential financial loss. 

I am demanding that CFPB investigate this matter immediately and require XXXX XXXX  to : Provide full documentation validating this alleged debt ; or Permanently remove this account from all credit reporting agencies ( XXXX, TransUnion, and XXXX  ) if validation can not be produced. 

Please confirm receipt of this complaint and notify me of the results of the investigation. I am attaching a copy of my identification and a recent credit report highlighting the disputed account for reference.

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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Its says account was opened on XXXX XXXX. The amount is {$640.00}. Ive tried to dispute debt and I told them I was a victim of fraud and they still wont remove the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my credit report. The report lists XXXX CARD XXXX as a late open account with a balance of {$470.00}. Additionally, the accounts XXXX XXXXXXXX BANK XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reported as late closed accounts with a {$0.00} balance. I dispute these entries as inaccurate, incomplete, and misleading. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain maximum possible accuracy in the information reported. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] further grants consumers the right to dispute inaccurate information and requires credit bureaus to conduct a reasonable and timely reinvestigation of any disputed items, typically within 30 days.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal complaint against Upgrade Inc, XXXX XXXX XXXX, XXXX, and XXXX  for knowingly reporting false, misleading, and inaccurate credit information on my consumer report. 

Background Upgrade Inc reported an unsecured loan account ending in # XXXX with an original balance of {$4700.00}. The account was later sold to XXXX XXXX XXXX, XXXX. 
Despite the sale and a clear record of the original balance, the furnisher and XXXX are now falsely reporting the account as a {$10000.00} charge-off, which never occurred. This misrepresents the true debt and has caused severe and ongoing harm to my credit standing. 

Violations of Federal Law 1. FCRA 607 ( b ) Duty to Assure Maximum Possible Accuracy XXXX  failed to follow reasonable procedures to ensure accuracy by publishing an inflated {$10000.00} charge-off amount, despite having the accurate data previously on record. 

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information Upgrade Inc furnished inaccurate information by reporting a {$10000.00} charge-off when the original account balance was {$4700.00}. This is a clear and willful violation of their duty to report only accurate, verifiable information. 

3. FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information After being made aware of the inaccuracy through prior disputes, the furnisher continued reporting the false charge-off figure instead of deleting or correcting the tradeline. 

4. FCRA 605 ( c ) Improper Re-Aging of Account Upgrade Inc and XXXX have illegally updated the account with recent charge-off notations, effectively re-aging the debt and extending its reporting period beyond the lawful seven years from the date of first delinquency.

5. FDCPA 807 ( 2 ) ( A ) False or Misleading Representation of Debt By inflating the charge-off amount and continuing to report it under both Upgrade Inc and XXXX XXXX XXXX, the furnishers have misrepresented the character, amount, and legal status of the alleged debt. 


-- - Requested Resolution Because the information is false, misleading, and unverifiable, I am requesting the permanent deletion of the Upgrade Inc account ( and any associated XXXX XXXX XXXX reporting ) from my XXXX  credit file. 

Correction is not acceptable, as the furnisher has already demonstrated an ongoing pattern of reporting inaccurate information despite multiple disputes and prior investigations. 

Thank you for your immediate attention to this matter. 

Respectfully, XXXX XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 request the immediate deletion of this credit inquiry, as I did not authorize it and have no relation to the involved parties.

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 2025-10-21 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief