vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am filing this complaint because several entries on my credit reports appear to be inaccurate, incomplete, outdated, or reported inconsistently between the XXXX credit bureaus. I am requesting the CFPBs assistance to ensure each bureau completes a proper investigation and verifies all information they are reporting about me. 
Charged-Off Accounts I am disputing the accuracy of the following accounts. Some appear inconsistent with other bureaus or incorrectly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request verification or removal if TransUnion can not provide XXXX documentation. 

Inquiries I dispute the following inquiry : XXXX XXXX XXXX XXXX XXXX Please verify permissible purpose or delete the inquiry. 

Late Payments These late-payment entries appear inaccurate or unverified : XXXX XXXX XXXX XXXX XXXX I request proper verification or removal of these entries.

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 2025-12-04 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 2025-12-04 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/year>, Imagine XXXX emailed me an offer stating that if I paid {$160.00} by XX/XX/year>, they would apply a {$75.00} statement credit to my account. The email also stated, Please allow up to XXXX business days for the statement credit to post. 
I clicked the payment button in the email and made the payment on XX/XX/year>. Immediately after making the payment, I called Imagine Credit the same day to make them aware and asked why I had not received confirmation of the offer. I was told the credit would be applied, but as of today, it has not been posted. 
Since then, I have contacted Imagine Credit customer service more than XXXX times. Each time, I was told the issue would be escalated, but no resolution has been provided. The company has not honored its offer or explained why the credit was not applied. 
I am requesting that the company apply the promised {$75.00} statement credit and confirm the adjustment in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is my last and final straw with this bank. My ending balance was - {$3.00}, ON THE OVERDRAFT FEES EXPLANATION PAGE IT SAYS IF YOUR ACCOUNT IS OVERDRAWN BY {$5.00} OR LESS YOU WILL NOT BE CHARGED AN OVERDRAFT FEE AT THE END OF THE BUSINESS DAY! I tried to talk to a branch manager ant the XXXX location and they hung the phone up in my face XXXX TIMES. WHAT BRANCH MANAGER IS HANGING UP IN PEOPLES FACE, HER NAME IS XXXX! I was not using profanity with her or being disrespectful or calling her out of her name so there was no reason for her to hang up in my face!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: WA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccurate accounts reported on my credit report. The following accounts are in dispute : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding a debt originally owed to a credit card company for an unknown amount on a XXXX XXXX credit card. 

The collection agency contacted me on the XXXX of XX/XX/XXXX. 

On XX/XX/XXXX I mailed the Validation letter which was within the 30-day window, I mailed a timely Debt Validation Request to the agency via Certified Mail ( proof of delivery is in the documentation ). 

The agency received my request on XX/XX/XXXX. 

As of XX/XX/XXXX, the collection agency has failed to provide any verification or validation of the alleged debt. 

Furthermore, despite my timely request for validation, the agency has continued collection activity by reporting this unverified debt to credit bureaus and mailing letters. 

The Fair Debt Collection Practices Act requires that the agency must cease all collection activities until verification of the debt is mailed. I requested that the CFPB investigate this violation and compel the agency to either ( 1 ) provide full validation of the debt or ( 2 ) immediately cease all collection activity and remove any reporting related to this debt from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
My paycheck from XXXX XXXX XXXX was deposited through XXXX XXXX, but the funds were routed to a random bank account I do not own or recognize. I never authorized that account. Ive called and emailed XXXX XXXX with no response, and I cant reach a human. I need the funds reversed or reissued. The date was XX/XX/year> and the amount was {$610.00}.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been diligently working to pay off my Capital One cards and have successfully caught up on my payments. However, when I inquired on XX/XX/XXXX @ XXXX about the possibility of having my late fees refunded, I was informed that this was not an option because my card is no longer active. I incurred a {$25.00} late fee for a payment that was just one day late ( XX/XX/XXXX due ) on XX/XX/XXXX, the same day my payment was made. Despite speaking with supervisors on two separate occasions, both confirmed that only active accounts are eligible for late fee reversals. This raises questions about the fairness of such a business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company : Capital One Product Type : Credit Cards / Checking & Savings Accounts Issue : Account Closure / Credit Reporting / Customer Service Date of Incident : XX/XX/XXXX Your Contact : XXXX XXXX | ( XXXX ) XXXX | XXXX Complaint Narrative : I am filing this complaint regarding Capital Ones permanent closure of all three of my accounts despite explicit approval from a Capital One supervisor that I could submit my returned payment on XX/XX/XXXX and retain my accounts. 

One of my cards ( XXXX ) experienced a returned payment due to an honest mistake while I had just paid my XXXX account in full the following day. As Capital Ones records will confirm, my XXXX card was completely paid off immediately afterward. Because of this, I did not have available funds to immediately correct the XXXX  payment and had to wait for my next pay cycle. 

Before the payment date, I contacted Capital One and spoke with a supervisor who told me that it was acceptable to submit payment on XX/XX/XXXX and that my accounts would remain open or be reinstated once I did. I followed these instructions exactly. 

Despite complying, I was later informed that my payment was considered too late and all three accounts were permanently closed. This directly contradicts what the supervisor told me and has caused severe harm, including a substantial drop in my credit score from having multiple accounts closed at once.

Capital One refused to accept responsibility for the misinformation given to me and has not provided a fair review or reinstated my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Atlanticus Services Corporation
State: MS

Complaint narrative:
I reported to fortiva about charges I did not make period.I gave the information they requested, they just flat out denied it, I'm crying telling you I did not do it. Someone got my card without permission and made all these charges.. I gave them dates and everything on the phone, I don't have to lie.I only use about XXXX off this card, the other XXXX was use by a XXXX XXXX XXXX XXXX XXXX XXXX I believe it was him .Please help me, fortiva not trying to hear anything I got to say .. Total bill is XXXX cent..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  - Acct # XXXX - Collection - Balance {$2800.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXXXXXX XXXX XXXX  - 30 days past due - Balance {$2900.00} XXXX - Acct # XXXX - Closed

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 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> MOHELA reported to credit agencies my 5 loan accounts a delinquent. They have had them marked delinquent since XXXX of 2025 despite me making more than the regular payment amount. Payments were made on XX/XX/year> {$210.00}, XX/XX/year> {$290.00}, XXXX XXXX {$360.00}, and XX/XX/year> {$410.00}. This is due to what was listed on my statement as being past due despite none of my loan ever being paid late. Normal payment is {$74.00} per month. This has now resulted in my credit score dropping by XXXX points in three weeks. This is fraud. I called MOHELA on XX/XX/year> to report the incorrect information. They ensured me it would be corrected and that I should check back in 10 business days. I called on XXXX XXXX and the account is now reflecting 5 payments past due and has not been corrected.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am a customer of Freedom Mortgage i am currently in loss mitigation and on a payment plan because I am behind on Mortgage payments. I have my home for sale with a real estate agent and have a buyer ready to purchase the property. I have been requesting a payoff for my closing date and I received a payoff for the wrong date. I call back and tell them it has the wrong date then I am told they can't give me a payoff that far in the future. I have made the payments in the payment plan and now I am a week from my closing date and can't get the Payoff information I need. I have been doing everything i can to communicate with freedom Mortgage about this but I can't get the Payoff information from them. The title company for the sale has even reached out to get the information and they are not sharing it with them.i just need the correct payoff quote

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 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe to be inaccurate. I have reviewed my records and have found discrepancies that need to be corrected. The accounts listed below are in dispute. 

Charged Off : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$330.00} XXXX, XXXX, XX/XX/XXXX, {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5500.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$20000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3300.00} Late Payments : XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Subject : Unlawful Collection Attempt on Identity-Theft Account by LVNV Funding & XXXX I am filing this complaint because LVNV Funding and its collector XXXX are attempting to collect on an account that was previously confirmed as identity theft and removed from all three credit bureaus. 

This account was identified as fraudulent and blocked under FCRA 605B, which requires : All collection efforts to permanently stop No further communication with the consumer No transfer, sale, or reactivation of the fraudulent debt Despite this, on XX/XX/year>, XXXX contacted me and attempted to collect on this same fraudulent account by sending me a settlement offer and directing me to a payment portal. 

Because the account is the result of identity theft and has already been removed from all credit reports, any collection attempt is illegal. 



Violations Involved 1. FCRA 605B Identity Theft Block Violation LVNV Funding and XXXX violated the FCRA because once an account is blocked for identity theft, they are prohibited from : Attempting to collect Contacting the consumer Selling or assigning the debt Treating it as a valid obligation Their attempt to collect is a direct violation of federal law. 



2. FDCPA Violations ( XXXX  as a Debt Collector ) XXXX  contact violates the Fair Debt Collection Practices Act, including : FDCPA 805 Contacting a consumer about a disputed/identity-theft debt FDCPA 807 ( 2 ) Misrepresenting the character or legal status of the debt FDCPA 807 ( 10 ) Use of deceptive means to collect FDCPA 808 Attempting to collect an amount not permitted by law This collection attempt caused XXXX XXXX, confusion, and renewed fear related to identity theft

Company response to consumer: Closed with non-monetary relief