vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Mid Atlantic Finance Company regarding account XXXX XXXXXXXX, which I have disputed as identity theft. 

I filed an FTC Identity Theft Report and formally disputed the account as not mine. Despite this, Mid Atlantic continues to report this account and rejected my dispute with a form response that does not meet the requirements of the Fair Credit Reporting Act ( FCRA ). 

Their investigation was not reasonable as required under FCRA 611 ( a ). They merely stated : That the signature matches the ID but failed to provide copies of the alleged original contract or the ID used. 

That payments were made using a debit card belonging to XXXX XXXX XXXX but provided no banking transaction records or proof that those accounts belong to me. 

That communications came from a phone number registered to the consumer without providing call logs or carrier verification. 

That the contract and title were mailed to the address but offered no mailing or delivery proof. 


I requested validation under FCRA 609 ( e ), which entitles identity theft victims to copies of all documents related to the fraudulent account. Mid Atlantic has failed to provide these documents. 

Under FCRA 605B, once an identity theft report is submitted, the furnisher and credit reporting agencies must block the fraudulent account from appearing on my credit file. Mid Atlantics refusal to comply is a violation of federal law. 

I am requesting that the CFPB compel Mid Atlantic Finance Company to : XXXX. Provide copies of the original contract, application, payment instruments, and all related records under XXXX ( XXXX ) ; or XXXX. Delete this account and cease reporting it to credit bureaus under XXXX. 



Their failure to reasonably investigate and continued reporting of fraudulent information has caused serious financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, someone attempted to transfer money from my Remitly account to a bank account in XXXX XXXX without my authorization. The recipients name is XXXX XXXX XXXX XXXX, The transaction was not completed. 

I immediately changed my Remitly password, blocked my linked bank cards, and contacted Remitly and my bank to secure my accounts. Remitly confirmed that the account used for the attempt has been suspended, but they did not provide information about the person who tried to access my account. 

I have screenshots and other evidence showing the attempted unauthorized transaction. I want to ensure that this person can not access my accounts again and that my accounts remain secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this dispute letter to report fraudulent accounts and inquiries that appear on my credit report as a result of identity theft. Pursuant to my rights under 15 USC 1681c-2, I request that these items be blocked and deleted from my credit file within four ( 4 ) business days.

I have enclosed the following documentation : FTC Identity Theft Report Proof of Identity ( XXXX XXXX and government-issued ID ) Proof of Address ( utility bill, lease, or bank statement ) Please note : A police report is not required under federal law for this request. 

The following fraudulent accounts must be blocked and deleted : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account LVNV FUNDING LLC I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you send proper notification, please provide certified mail receipt displaying my signature. If not, please delete this account as soon as possible from my Report or I would have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. I have already made several attempts to resolve this matter directly with your company, yet you continue to violate my rights. Because of these violations, I am entitled to {$1000.00} per violation under federal law. At this moment they either compensate me for the damages they have caused or permanently remove these inaccurate accounts from my credit report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 XXXX. 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. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( 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 XXXX 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 2025-09-23 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: OR

Complaint narrative:
I am filing this complaint because TransUnion continues to report a XXXX XXXX XXXX credit card account ( ending in XXXX ) that should have already been deleted. 
XXXX XXXX XXXX sent me a letter dated XX/XX/year> stating they are not collecting on this account and that any delinquent account information is handled by XXXX XXXX XXXX XXXX XXXX. 
In response to my CFPB complaint, XXXX XXXX XXXX confirmed on XX/XX/year> ( XXXX XXXX. # XXXX ) that they had terminated collection efforts and would request deletion of their tradeline from the credit bureaus. 
Despite these confirmations, TransUnion continues to report the account as owed to XXXX XXXX XXXX, which is false, misleading, and harmful to me. 
Violations : This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requiring consumer reporting agencies to investigate and correct inaccurate information.

It also violates 15 U.S.C. 1681s-2 ( b ), as TransUnion has been provided direct notice of the inaccuracy but continues to report it.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE SOME ADDRESSES THAT DO NOT BELONG TO ME. My current and only address is : XXXXXXXX XXXX XXXX XXXX OH XXXX. Please remove any other XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX STATE ROUTE XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My name is XXXX I XXXX XXXX XXXX any other variations of my name ( XXXX XXXX XXXX XXXX ) I would like to OPT OUT of any pre approved offers. I don't want my file pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC
State: OH

Complaint narrative:
I HAVE SOME ADDRESSES THAT DO NOT BELONG TO ME. My current and only address is : XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My name is XXXX I XXXX XXXX XXXX any other variations of my name ( XXXX XXXX XXXX XXXX ) I would like to OPT OUT of any pre approved offers. I don't want my file pulled without my permission.

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 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On or around XX/XX/XXXX I noticed a debt on my credit card this was the same card I used to initially set up my new tmoble account. I would eventually finish setting up the account with my checking account. I called XXXX  and inquired about the debt XXXX  stated they did not recognize the debt. I called my credit card company and asked to return me a credit. My credit card company chase gave me a credit after investigating. Today I received a debt collector letter I believe is about the same unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations 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 non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: RI

Complaint narrative:
I had switched over to XXXX in 2023 by trading in an old XXXX  and buying a new one. I had a contract to sign to pay a certain amount for my phone over a span of 36 months. Upon getting and setting up my phone, they had issues transferring over my phone number. They then gave me XXXX temporary phone numbers which are still saved on my device. Upon doing so, they had closed my original account that had the pay over 36 months promotion and never transferred that back when re opening a new account to get my phone number up running again. XXXX never warned me of this and sent this straight to collections. They have been hounding me for over a year that I owe full price for the XXXX XXXX XXXX  XXXX. This was a mistake on XXXX I have talked to countless employers and not a single person can explain why this happened or why it was sent to collections. This had nothing to do with me and wasnt a mistake on my part. They were the ones who went back and forth to try and set up my phone and never transferred over the promotion I signed a contract for. It is unfair to have this bill in collections effecting my credit and to be told I owe for the phone when I signed a contract. Not a single rep at XXXX has been able to help me solve this matter

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX'My PayPal account (XXXX) was permanently limited a few months ago. I was informed that my funds would be held for 180 days and then released. I also called PayPal Customer Service and representative also confirmed me the sameXXXXHowever, during the holding period, my entire balance of XXXX was removed under the label PayPal Correction. I was not provided with any clear explanation or evidence of a violation that justifies this action. I was shocked when PayPal restricted my account and I called multiple times PayPal customer support for help but no use and I was so frustrated and on top of it, PayPal froze my balance.\n\nI contacted customer service, but they were unable to provide any assistance or timeline for a response.\n\nI respectfully request:XXXXA clear and detailed explanation of the reason for the permanent limitation and fund seizureXXXXA copy of the internal ticket or case IDXXXXThe immediate release of my funds or a legal basis for the deduction. Attached are the email notification and account activity screenshots.\n\n\nI expect a response within 7 business days before I escalate this matter to the appropriate consumer protection authoritiesXXXXSincerelXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
This is a case of identity theft. A fraudulent auto loan account was added to my XXXX credit report by Lendbuzz Funding LLC in the amount of {$24000.00}. I never applied for, opened, or authorized this account. The presence of this account is damaging my credit, lowering my score, and falsely linking me to a debt that does not belong to me. 

Notification of Fraudulent Account On XX/XX/year>, XXXX XXXX alerted me to changes on my XXXX  credit report. My score dropped XXXX points, and a new auto loan account from Lendbuzz Funding LLC appeared. 

Account Details ( as reported on XXXX XXXX XXXX Type : Auto Loan Balance : {$24000.00} Monthly Payment : {$690.00} Term : 72 months Account Opened : XX/XX/year> ( backdated six months ) Status : Open, Current Payment History : Incorrectly shows 100 % on-time payments Fraud Indicators I have never applied for or received an auto loan from Lendbuzz Funding LLC or any other company. 

The account falsely shows six months of payments despite being newly reported. 

I was never contacted, sent a contract, or given disclosure documents. 

This account was reported without my knowledge or consent. 

Pattern of Identity Theft This is not the first fraudulent item to appear on my credit file. Multiple unauthorized accounts, including auto-related accounts, have been reported under my name. 

FCRA 1681s-2 ( a ) : Furnishing inaccurate or fraudulent information.

FCRA 1681i : Failure to ensure credit reports are accurate and promptly investigate disputes. 

FCRA 1681c-2 : Consumers have the right to block fraudulent information and place fraud alerts. 

My XXXX score dropped XXXX points. 

I am falsely being linked to a {$24000.00} auto loan. 

This identity theft threatens my ability to obtain credit, housing, or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for inaccurate and inconsistent reporting of a mortgage account across the three nationwide credit bureaus. 

Account in Question : Equifax XXXX XXXX XXXX XXXX  Account # XXXX Experian : XXXX XXXX XXXX Account # XXXX TransUnion XXXX XXXX XXXX Account # XXXX Issues : This account is reported under different names across the bureaus.

A 30-day late payment is reported inconsistently across Equifax, Experian, and TransUnion, despite payment history showing otherwise.

My reports list this account as Pays as agreed or Current, but still display a 30-day late notation, which is contradictory and misleading.

Applicable FCRA Violations : FCRA 602 ( A ) : Congress found the need to ensure fair and accurate credit reporting.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reinvestigation when a consumer disputes an account or data accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information found to be inaccurate or incomplete.

Requested Action : 1. Remove the inaccurate late payment notation across all three credit bureaus.

2. Correct the account naming inconsistencies and align reporting across Equifax, Experian, and TransUnion.

3. Confirm in writing that these corrections have been made, per my rights under the FCRA.

I have attached supporting documentation from my current credit reports showing these inconsistencies.

I respectfully request the Bureaus assistance in ensuring compliance with the FCRA and the removal of this inaccurate late reporting. 
Thank you XXXX

Company response to consumer: Closed with non-monetary relief