vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing the accuracy of an LVNV Funding collection account that is still being reported by XXXX XXXX XXXX  This same account was permanently deleted from my XXXX credit report due to unverifiable and inconsistent reporting. 

I previously submitted disputes to XXXX XXXX XXXX and informed them that XXXX had already removed the account. Despite this, both bureaus have continued to report the account and marked it verified without providing any documentation or explanation. 

I have not received the method of verification or any legal documentation validating ownership, assignment, or a breakdown of the alleged balance. Under FCRA 1681i ( a ) ( 7 ), I am entitled to know how the account was verified. This account remains inaccurate and unverifiable, and I am requesting deletion from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting this fourth complaint regarding Capital Ones continued refusal to engage in meaningful resolution of this matter. I have now served them with a Notice of Intent to Seek Sanctions and Final Non-Negotiable Settlement Terms at XXXXXXXX XXXX  MST on XX/XX/year>. 

These final terms include {$150000.00} in compensation, {$30000.00} credit line reinstatement, {$30000.00} statement credit, and full NDA with acknowledgment that no fraud was ever confirmed. This is their final opportunity to settle out of court. 

I respectfully request that the CFPB escalate internal review and note this company has now ignored four consecutive deadlines and shows patterns consistent with regulatory neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
b'Between XXXX XXXX XXXX XXXX XXXX XXXX  I was charged three times by a company called XXXX XXXX XXXX  for XXXX XXXX, totaling XXXX. The charges occurred on:XXXX XXXX  XXXX XXXX never received the product or service promised. After I realized the company was fraudulent, I immediately contacted Discover to dispute the charges. Despite providing details, Discover denied my dispute and left the charges on my account.\n\nAs a result, my credit score dropped and my Discover card account was closed. I am being unfairly held responsible for a scam, and I believe Discover mishandled my case.\n\nI want all my money back, my credit score restored, and my credit card account reinstated. I want everything back the way it was before this scam.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I received a mailed letter from Mandarich Law Group , LLP ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/year> about a debt they claim I owe. I responded to their letter with a letter of my own requesting for validation of the debt. I sent my letter to the Law Group via certified mail on XX/XX/year>. However, the letter was never delivered and still even showing on the USPS website as of today as not delivered to recipient and no status showing after XX/XX/year> ( see attachments ). Somehow, XXXX found my email address and emailed me regarding the debt on XX/XX/year> and XX/XX/year>. So I responded to the email with a copy of my actual validation request letter and the USPS log of the mailing not being delivered but time stamped to show I responded within their response time period. Now, they have mailed me another letter again requesting payment of this debt and completely ignored my request for validation. They are being unresponsive to my request and continue to urge me to contact them for a debt I do not believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report, please delete these fraudulent accounts, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report, please delete these fraudulent accounts, they are hurting my ability to obtain credit

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 2025-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft and discovered multiple inaccurate and unauthorized accounts reporting on my credit file. I did not open these accounts and did not authorize any transaction associated with them. I have submitted an official FTC identity theft report and am invoking my rights under the fair credit reporting act ( FCRA ), specifically section 605B, which requires the removal of the fraudulent information from credit report when identity theft is documented.

these accounts have resulted in negative reporting, including late payments and charge-offs, which are causing substantial harm to my credit profile. i am requesting a thorough investigation and the permanent deletion of these accounts from my credit report. supporting documentation, including my FTC report, have been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a victim of identity theft and discovered multiple inaccurate and unauthorized accounts reporting on my credit file. I did not open these accounts and did not authorize any transaction associated with them. I have submitted an official FTC identity theft report and am invoking my rights under the fair credit reporting act ( FCRA ), specifically section 605B, which requires the removal of the fraudulent information from credit report when identity theft is documented.

these accounts have resulted in negative reporting, including late payments and charge-offs, which are causing substantial harm to my credit profile. i am requesting a thorough investigation and the permanent deletion of these accounts from my credit report. supporting documentation, including my FTC report, have been provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
i recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report, please delete these fraudulent accounts, they are hurting my ability to obtain credit

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 2025-06-27 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: IL

Complaint narrative:
Re : Unauthorized Credit Inquiries on My Consumer Report To Whom It May Concern, Im writing because Ive discovered several hard inquiries on my TransuUnion credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), only those inquiries Ive explicitly approved may appear on my report. Specifically : Section 604 ( 15 U.S.C. 1681b ) limits permissible purposes for which a consumer reporting agency may provide a consumers credit file.

Section 611 ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a reasonable reinvestigation of any disputed item and correct or delete it.

Section 609 ( 15 U.S.C. 1681g ) entitles me to a full disclosure of all information in my file, including whos pulled it and why. 

Below are the inquiries I am disputing and requesting immediate removal of, as I did not authorize them : XXXX XXXX Hard Inquiry Date : XX/XX/year>, XX/XX/scrub>XXXX XXXX XXXX Hard Inquiry Date : XX/XX/year> XXXXXXXX XXXX  Hard Inquiry Date : XX/XX/year>, XX/XX/scrub>XXXX XXXX XXXX  Hard Inquiry Date : XX/XX/year> Despite my requests to the credit reporting agencies to delete these unauthorized inquiries, theyve remained on my report without adequate explanation or proof of my consent. This not only violates the FCRA but also unfairly drags down my credit score. 

Please initiate an immediate investigation and remove all unauthorized inquiries from my file. I also ask that you confirm in writing, within 30 days, that these inquiries have been permanently deleted and that my credit report has been corrected. If I do not receive confirmationor if the unauthorized inquiries are not removedI will have no choice but to : 1. File a formal complaint with the Federal Trade Commission and my state Attorney Generals office.

2. Pursue all available remedies under the FCRA, including statutory damages, costs, and attorneys fees ( 15 U.S.C. 1681n1681o ). 

I appreciate your prompt attention to this matter. Please let me know as soon as youve resolved these issues. Please not in the attachment is an authorized F.T.C report for the inquires listed in this complaint. 

Sincerely, XXXX XXXX XXXX UCC 1-308 all rights reserved

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 2025-06-27 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I got a phone call from a PHH from a mortgage assistant to help me get on track I paid {$9500.00} that never went to my mortgage

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
Bank errors related to billing and credit reporting are directly and unfairly damaging my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to accurately apply payments and reflect correct balances. In my case, multiple violations have occurred : payments I made were not properly recorded, and clear calculation errors appear in the reported account balances. Furthermore, I was not provided with the legally required 21-day notice before a payment due date rendering any reported late payments invalid and unlawful.

These inaccuracies are not only a violation of federal law but are causing unjust and ongoing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-27 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: MoneyLion Inc.
State: AL

Complaint narrative:
I have disputed several items more than once because my SSN has been exposed many times could you please remove all the negative items and inquires from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Let me make this absolutely clear : this complaint is valid and submitted with full intent. My credit report contains inaccurate information that violates the legal standard of maximum possible accuracy. These reporting errors are causing serious and ongoing harm to both my financial stability and personal well-being. 
This situation is imposing an unjust and unnecessary burden on me during an already challenging time, and it is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a formal and unequivocal demand for immediate corrective action. The inaccuracies present on my credit report are unacceptable and constitute a clear violation of the legal requirement to maintain maximum possible accuracy. These errors are inflicting ongoing and serious harm to my personal and financial well-being.

Company response to consumer: Closed with non-monetary relief