vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following errors. A Debt Owed from LVNV FUNDING LLC this is identity theft I do not recall authorizing this loan at all I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NM

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, XXXX XXXX is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recentlyn wrote in to Equifax, Transunion and Exoperian regarding incorrect information that is listed on my credit report. There is conflcting and inaccurate information listed on the following accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested documentation to confirm said debts as of XX/XX/year> none has been provided. I would like to create a formal complaint against the companies and request that this inaccurate information is removed as soon as possible.

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 2025-07-22 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: TN

Complaint narrative:
I recentlyn wrote in to Equifax, Transunion and Exoperian regarding incorrect information that is listed on my credit report. There is conflcting and inaccurate information listed on the following accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested documentation to confirm said debts as of XX/XX/year> none has been provided. I would like to create a formal complaint against the companies and request that this inaccurate information is removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I turned in my bank verification form for my housing over a month ago on XX/XX/19. I was told it would take 3 to 5 business days to fill out the form. I check in after 2 weeks and was told the form still wasnt available. Now I will be evicted by the end of the week if I dont fill out this form.

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 2025-07-22 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: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions Inc. for reporting false and unverifiable derogatory information regarding my XXXX account ( XXXX XXXXXXXX ). 

Specifically, Experian is reporting a 30-day late payment in XX/XX/2021 a claim that is inaccurate, unsupported, and in direct contradiction with other credit bureau data . TransUnion, for example, reports the same account as " Paid as Agreed '' with no delinquencies throughout its entire payment history, including XX/XX/2021. 

I formally disputed this with Experian both in writing and by phone, requesting proper verification under FCRA 1681i ( a ) ( XXXX ). Experian failed to provide : Any documentation from XXXX supporting the 30-day late The method of verification used Any reinvestigation notes or evidence Instead, Experian simply closed the dispute with the statement : " Completed investigation of FCRA dispute consumer disagrees '', which does not satisfy federal law and lacks transparency.

As a result, this unresolved derogatory mark has directly caused me multiple credit denials and financial harm.

I believe this constitutes the following willful and negligent FCRA violations : FCRA 1681e ( b ) Failure to maintain maximum accuracy FCRA 1681i Failure to reinvestigate and verify disputed information FCRA 1681n and 1681o Willful and negligent noncompliance The TransUnion report proves this account was always in good standing, with a last payment on XX/XX/2021, and no history of delinquency. The 30-day late on Experian is false, damaging, and must be 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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX Re : Formal Dispute of Inaccurate Credit Data XXXX XXXX XXXX Acct ending in XXXX ) To Whom It May Concern : I am formally disputing inaccurate and misleading information that appears in my XXXX file related to a XXXX XXXX XXXX  mortgage account ( opened on XX/XX/XXXX and closed in XX/XX/XXXX ). Your file reflects a XXXX late payment in XX/XX/XXXX despite the account being closed/transferred with no ongoing delinquency. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and Texas consumer protection law, specifically regarding the duty to maintain accurate and non-misleading information. 

Summary of the Issue Creditor : XXXX XXXX Account Opened : XX/XX/XXXX Closed/Transferred : XX/XX/XXXX Inaccurate Reporting : XXXX late in XX/XX/XXXX Current Status : Closed No validation provided Requested Action : Delete derogatory info or reflect Paid as Agreed or Transferred Never Late Legal Grounds for Dispute FCRA 1681e ( b ) Accuracy of Information Consumer reporting agencies must follow reasonable procedures to FCRA 1681i Duty to Reinvestigate Upon Dispute You must conduct a reasonable reinvestigation and remove or correct data that Metro 2 Compliance Failure According to the Credit Reporting Resource Guide ( CRRG ) : A CLS ( Closed ) account must be reported in a manner that reflects the final status without misleading derogatory remarks. 

The XX/XX/XXXX XXXX late payment is inaccurate, unverified, and not properly aligned with the closing status. 

Texas Finance Code 521.051 Knowingly furnishing false, inaccurate, or unverifiable data is illegal under Texas law.

Texas DTPA 17.46 ( b ) Deceptive Practices Maintaining inaccurate credit reporting that harms the consumers economic interests is a deceptive trade DEMAND FOR IMMEDIATE ACTION Pursuant to FCRA, Texas Finance Code, and DTPA, I demand that you : Delete or correct the reporting of the XXXX late mark from XX/XX/XXXX Update the record to reflect Paid as Agreed or Transferred Never Late ; Provide written verification and the source of the disputed data. 

If no verification or correction is provided within 30 days, I will escalate this matter by : Filing formal complaints with the CFPB, FTC, Texas Attorney General, and Initiating legal action under 15 U.S.C. 1681n/o and Texas DTPA 17.50. 

Sincerely, 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: RI

Complaint narrative:
I just checked my Equifax report and noticed XXXX fraudulent accounts : XXXX XXXX XXXX ( Account No. XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ), and XXXX XXXX XXXX ( Account No. XXXX ) are fraudulent and need to be removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
In XXXX of 2025, I submitted a dispute to XXXX and XXXX. Mohela reported to both credit agencies that I did not make a payment in XXXX of 2025. I was in an administrative forbearance and I attached documentation showing that no payment was due in 2025 let alone XXXX. Both agencies ruled in my favor and sent me a letter showing that they updated the negative reporting and it went back to good standing. This investigation was closed off in XXXX of 2025. Yesterday, XX/XX/XXXX, Mohela again reported that I was late again for the same XX/XX/year> payment. Both agencies already ruled in my decision and now my credit has been dinged over XXXX points showing my payment history as needs work. I submitted another dispute with the same agencies XXXX  and XXXX. I would appreciate it if they would stop reporting false information because it is ruining my credit profile and now my fico score went from a XXXX to a XXXX. I am also in school full time working on my XXXX Mohela is aware of this and false reporting should not be happening.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT RIPORTING ACT ACCOUNT # XXXX. HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY INSTRUCCION

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 2025-07-22 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
In XXXX, Robinhood XXXX, XXXX issued a 1099 Composite tax form under my name and a TIN I never authorized ( ending in XXXX ), falsely reporting income from crypto asset activity. This was done without my knowledge or consent. At the same time, my original XXXXXXXX XXXXacquired between XXXX and XXXXwere converted into equity positions and staked assets without authorization. 

I submitted written requests to Robinhood in XX/XX/XXXX to freeze the account and investigate unauthorized activity. Instead, Robinhood claimed my assets were already auctioned and failed to take any corrective action. Subsequent review of blockchain activity revealed my funds were forcibly converted into tokenized assets, including XXXX  and XXXX, and XXXX into XXXX-based contracts I never interacted with. 

Since then, Robinhood has continued to ignore requests for transaction history, asset location disclosures, and IRS correction documentation. No proper disclosures, contract terms, or lending agreements were ever provided. I have retained records of all communications and am filing this complaint as part of a broader regulatory and legal effort to recover misappropriated funds and reverse false tax filings. 

The financial harm includes unauthorized conversion of crypto assets, tax liability under a fraudulent 1099, and the loss of access to rightful custody of my digital assets. I am requesting full restitution, formal enforcement action, and correction of all tax documents generated without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 request the removal of a credit card account that is currently being reported on my credit report. The account is listed under the name of [ XXXX  XXXX ], For {$490.00} Upon reviewing my credit report, I have found that this account is not mine reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable. I noticed the XXXX XXXX card reported on XX/XX/2025 for {$490.00} on my report this is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 writing to formally request the removal of a credit card account that is currently being reported on my credit report. The account is listed under the name of [ XXXX  XXXX ], For {$490.00} Upon reviewing my credit report, I have found that this account is not mine reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable. I noticed the XXXX XXXX card reported on XX/XX/year> for {$490.00} on my report this is not mine

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