vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand for Unlawful and Unfair Practices CFPB Submission : [ You can indicate this if you're attaching/uploading to CFPB ] To Whom It May Concern I am writing to formally demand that you cease and desist all further contact and any unlawful actions regarding account # [ account number if known ], as your current conduct appears to be in direct violation of federal consumer protection laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant statutes. 
Specifically, you have engaged in the following actions which are unacceptable and potentially illegal : [ Insert specific details : e.g., Repetitive and harassing phone calls, Reporting inaccurate information to credit bureaus, Failing to validate the debt upon request, etc. ] Please be advised that under the FDCPA, once a written request to cease communication has been made, you are legally prohibited from further contact except to inform me of specific actions, such as the termination of collection efforts or intent to file a lawsuit. 
Demand for Immediate Action : XXXX. Cease all direct communication with me, including phone calls, emails, letters, or any third-party contact. 
XXXX. Provide written confirmation that you have ceased all collection efforts and updated any inaccurate reporting with the credit bureaus. 
XXXX. If this matter involves a debt, provide proper verification and documentation as required by law within XXXX  days of this notice. 
Failure to comply with this demand will result in further action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the state attorney general 's office, and potentially pursuing legal action. 
Please be advised that this letter is being submitted as part of my formal complaint through the CFPB portal and may be used as supporting documentation in any resulting investigation or legal proceeding. 
I expect a written response within XXXX calendar days of receipt of this letter. If you fail to respond appropriately or continue any unlawful activity, I will proceed with legal action without further notice. 
Sincerely, 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 2025-08-02 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: NY

Complaint narrative:
I am reporting multiple inaccuracies on my credit reports across 12 student loan accounts.

All 12 accounts show a 90-day late payment that is not only reported inconsistently across the three bureaus ( some show XXXX, others show XXXX ), but also violate the Fair Credit Reporting Act ( FCRA ) by skipping the required 30-day and 60-day delinquency progression.

None of the 12 accounts report any 30-day or 60-day late payments before the 90-day delinquency, which is a violation of FCRA standards. A 90-day delinquency can not exist without first being reported 30 and 60 days late.

I have already disputed this with the credit bureaus. The result on XXXX  says dispute resolved, reported by grantor, and on Equifax it says account previously in dispute, now resolved by data furnisher. However, the incorrect information remains. 

Additionally, there are other reporting errors across the same 12 accounts, including : Inaccurate date opened ( dates differ by bureau ) These inconsistencies between bureaus and within the accounts show clear violations of FCRA Section 623, which requires furnishers to report data accurately and completely.

I am submitting screenshots showing : The date inconsistencies ( XXXX vs. XXXX ) The missing 30/60-day lates before the 90-day mark Variations in reported balances and opening dates I respectfully request that the CFPB review these inaccuracies and hold the data furnishers accountable. If the information can not be verified and corrected, I request that the inaccurate 90-day late payments be deleted from my credit reports. If necessary, I am prepared to pursue further legal action for FCRA violations if the data is not corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reporting multiple inaccuracies on my credit reports across 12 student loan accounts.

All 12 accounts show a 90-day late payment that is not only reported inconsistently across the three bureaus ( some show XXXX, others show XXXX ), but also violate the Fair Credit Reporting Act ( FCRA ) by skipping the required 30-day and 60-day delinquency progression.

None of the 12 accounts report any 30-day or 60-day late payments before the 90-day delinquency, which is a violation of FCRA standards. A 90-day delinquency can not exist without first being reported 30 and 60 days late. 

I have already disputed this with the credit bureaus. The result on TransUnion says dispute resolved, reported by grantor, and on XXXX  it says account previously in dispute, now resolved by data furnisher. However, the incorrect information remains.

Additionally, there are other reporting errors across the same 12 accounts, including : Inaccurate date opened ( dates differ by bureau ) These inconsistencies between bureaus and within the accounts show clear violations of FCRA Section 623, which requires furnishers to report data accurately and completely.

I am submitting screenshots showing : The date inconsistencies ( XXXX vs. XXXX ) The missing 30/60-day lates before the 90-day mark Variations in reported balances and opening dates I respectfully request that the CFPB review these inaccuracies and hold the data furnishers accountable. If the information can not be verified and corrected, I request that the inaccurate 90-day late payments be deleted from my credit reports. If necessary, I am prepared to pursue further legal action for FCRA violations if the data is not corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reporting multiple inaccuracies on my credit reports across 12 student loan accounts.

All 12 accounts show a 90-day late payment that is not only reported inconsistently across the three bureaus ( some show XXXX, others show XXXX ), but also violate the Fair Credit Reporting Act ( FCRA ) by skipping the required 30-day and 60-day delinquency progression.

None of the 12 accounts report any 30-day or 60-day late payments before the 90-day delinquency, which is a violation of FCRA standards. A 90-day delinquency can not exist without first being reported 30 and 60 days late. 

I have already disputed this with the credit bureaus. The result on XXXX  says dispute resolved, reported by grantor, and on XXXX  it says account previously in dispute, now resolved by data furnisher. However, the incorrect information remains.

Additionally, there are other reporting errors across the same 12 accounts, including : Inaccurate date opened ( dates differ by bureau ) These inconsistencies between bureaus and within the accounts show clear violations of FCRA Section 623, which requires furnishers to report data accurately and completely.

I am submitting screenshots showing : The date inconsistencies ( XXXX vs. XXXX ) The missing 30/60-day lates before the 90-day mark Variations in reported balances and opening dates I respectfully request that the CFPB review these inaccuracies and hold the data furnishers accountable. If the information can not be verified and corrected, I request that the inaccurate 90-day late payments be deleted from my credit reports. If necessary, I am prepared to pursue further legal action for FCRA violations if the data is not corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX bal. XXXX, XXXX XXXX bal. XXXX XXXX XXXX bal. $ XXXX XXXX XXXXXXXX bal. {$10.00}, XXXX XXXX bal. {$0.00}, XXXX XXXX. {$0.00}

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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am submitting this complaint because a debt collection agency has placed a collection account on my XXXX  and XXXX  credit reports for a debt I do not owe. 

The alleged debt is related to XXXX XXXX XXXX XXXX  XXXX ) in XXXX XXXX, CO. I have attached a receipt dated XX/XX/XXXX, showing that the balance was paid in full and the account was brought current. 

The collector is reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This is causing financial and reputational harm. 

I am demanding : Immediate removal of this account from all credit bureaus Cease collection activity Written confirmation of account closure Attached : Payment receipt showing {$0.00} balance as of XX/XX/XXXX. 

This is a final notice. If this account is not removed from all credit reporting agencies within XXXX calendar days, I will initiate a lawsuit in the State of Colorado for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have submitted a formal dispute and requested verification of the alleged debt. The agency has failed to provide any proof of the debt as required by law. Continued reporting of this unverifiable and false debt constitutes willful noncompliance. 

I have retained documentation showing the debt was paid in full as of XX/XX/XXXX, and that no balance is owed. Your failure to remove this erroneous entry is actionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to request a copy of my credit report from your agency. Please ensure that my credit report reflects only one name, XXXX XXXX XXXX, and one address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses associated with my report should be removed. Additionally, please remove my Social Security number, any phone numbers, and any email links from the report. 

To verify my identity, I have enclosed copies of my driver 's license, Social Security card, and a recent utility bill. Please send the credit report to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social Security Card, Utility Bill

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to request a copy of my credit report from your agency. Please ensure that my credit report reflects only one name, XXXX XXXX XXXX, and one address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses associated with my report should be removed. Additionally, please remove my Social Security number, any phone numbers, and any email links from the report. 

To verify my identity, I have enclosed copies of my driver 's license, Social Security card, and a recent utility bill. Please send the credit report to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : Driver 's License, Social Security Card, Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two CapitalOne credit cards that I have been paying from a CapitalOne bank account. After stopping an accidental pay {$2000.00} on the XXXX of XXXX, they have been stopping all my payments from that account. They keep saying the account stops the payment but when we are in a conference call, the debit department explains them that the payments don't even show up in the system. Only the credit card side sees the returned payments. 
The payments were {$330.00} on XX/XX/year>, XXXX, XXXX. The debit department confirmed to the credit card company that there is no stop payment on my account. 
I asked the debit department to file a complaint to investigate, which they did. But the credit card company refused further investigation and they charged {$29.00} late fee on the top of everything. Not only the phone operator refused to file a complaint, the manager did as well, after admitting that the credit card company stops the payments, and she needs a letter from the debit department to fix it. We did a conference call after this, we asked for the letter, and then she told me to wait. 
She didn't fix anything, she didn't do anything, she just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I have been requesting this since XX/XX/XXXX, right after XXXX XXXX installed panels. The first 3 months were free of charge from XXXX XXXX after installation. But electricity bills jump to the sky, from {$100.00} to {$800.00}, AMAZING. 
I immediately contacted the electricity provider, XXXX, why all of a sudden, electricity bills went so high, instead of NO bill or getting credit. Keep calling XXXX regarding the matter But till today, XX/XX/XXXX, NO response. 
1- The solar panels are of poor quality, its not generating electricity at all.

2-Worst installation. Damaged roof shingles keep falling since then 3-No accountability Its strange if this is very common No one would get solar 4-Its over 3years no action No reply 5- Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 am writing to formally dispute and request the immediate blocking and removal of fraudulent information appearing on my credit report in accordance with 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my credit report are the result of identity theft, and I am not responsible for any debts, accounts, or inquiries associated with them : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX INQUIRIES NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX -XXXX XXXXXXXX NA / XX/XX/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 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 / XX/XX/XXXX ADDRESSES NOT BELONG TO ME XXXX XXXX XXXX XXXX UNIT XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX In compliance with FCRA XXXX XXXX [ XXXX XXXX Code XXXX ] XXXX I am including the required documentation to support my claim and formally request that the above item ( XXXX ) be blocked from my credit report : A copy of a valid government-issued photo ID A copy of a recent bank statement showing my current address A copy of the FTC report or an identity theft report filed. 

Legal Reference : Under 15 U.S.C. 1681c-2, a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft within four business days of receiving : Proof of identity, A copy of a police report, A statement from the consumer identifying the fraudulent information, And a request to block the fraudulent information.

This is a legal obligation, and any failure to comply may result in enforcement action or legal claims under the FCRA. 

Please confirm in writing within the required time frame that the disputed information has been blocked and removed from my credit report. I also request a copy of my updated credit report reflecting these changes.

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 2025-08-03 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 writing to formally dispute and request the immediate blocking and removal of fraudulent information appearing on my credit report in accordance with 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my credit report are the result of identity theft, and I am not responsible for any debts, accounts, or inquiries associated with them : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX INQUIRIES NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX -XXXX XXXXXXXX NA / XX/XX/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 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 / XX/XX/XXXX ADDRESSES NOT BELONG TO ME XXXX XXXX XXXX XXXX UNIT XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX In compliance with FCRA XXXX XXXX [ XXXX XXXX Code XXXX ] XXXX I am including the required documentation to support my claim and formally request that the above item ( XXXX ) be blocked from my credit report : A copy of a valid government-issued photo ID A copy of a recent bank statement showing my current address A copy of the FTC report or an identity theft report filed. 

Legal Reference : Under 15 U.S.C. 1681c-2, a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft within four business days of receiving : Proof of identity, A copy of a police report, A statement from the consumer identifying the fraudulent information, And a request to block the fraudulent information.

This is a legal obligation, and any failure to comply may result in enforcement action or legal claims under the FCRA. 

Please confirm in writing within the required time frame that the disputed information has been blocked and removed from my credit report. I also request a copy of my updated credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1900.00} past due as of XX/XX/year>. 


Status updated XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation