vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
If XXXX, XXXX, XXXX, Experian, or XXXX XXXX XXXX XXXX can not provide a legible, enforceable agreement that contains clear terms and my explicit consent, I demand that the XXXX XXXX be permanently deleted from all consumer reporting systems. This includes all CRA and affiliate databases. 

Additionally, I request compensation for damages caused by : Ongoing false and unverifiable reporting Denial or delay of housing and credit opportunities Violations of FCRA 611 ( a ) ( 5 ) ( B ), 604 ( a ) ( 2 ), and NY GBL 349 Re-insertion of information without proper notice Disregard for Metro 2 and contract disclosure standards I also request written confirmation from each CRA that they have ceased reporting the XXXX account and have notified all parties who obtained my credit file during the period of disputed activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MS

Complaint narrative:
I reviewed my credit report through Experian and noticed two unfamiliar items listed under my accounts : 1. XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  I have no recollection of opening these accounts or any activity related to them. 
I disputed the accounts with Experian via [ Experians online dispute process or method ]. The dispute was based on my belief that these accounts were either errors or potentially fraudulent. I received a response from Experian stating that the items had been verified and were confirmed as accurate. However, I still do not recognize these accounts, and no further explanation was provided as to how this verification was made.

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 2025-04-09 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: ME

Complaint narrative:
I am disputing a collection account from XXXX XXXX XXXX ( Account # XXXX ), allegedly tied to XXXX. This account has been marked " paid in full '' since 2022, yet it continues to appear on my report as a derogatory paid collection. 

I have been a XXXX customer for several years with a single continuous policy. I do not recognize this account number, and it appears to be either a mistaken assignment or duplication. 

The tradeline fails to list a clear Date of First Delinquency, which makes the on record until period unverifiable. The ongoing derogatory classification of a resolved account is harmful and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX Date : XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  D.C. XXXX RE : Complaint Regarding Charge-Off Reporting CAPITAL ONE Dear CFPB Representative, I am writing to formally file a complaint against Capital One regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : Capital One Account Number ( last 4 digits ) : XXXX Charge-Off Date:XXXX/2024 Alleged Balance : {$430.00} I contacted Capital One and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures. 
Laws Violated or Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Under the FCRA, furnishers of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, Capital One has not provided evidence to support the accuracy of this charge-off, despite my dispute.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g If Capital One or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within 30 days. I requested validation in writing, and they failed to provide a response.

3. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request Capital One to validate or remove the charge-off.

If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus.

I also request confirmation that no further collections or negative reporting will occur related to this account.

I have attached copies of my correspondence with Capital One and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request.

Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This is a follow-up to CFPB complaint closed on XX/XX/XXXX. AmSher XXXX XXXX claims they validated the debt by mailing documents on XX/XX/XXXX. However, they failed to provide proof of delivery no certified mail receipt or confirmation of receipt which is required under FDCPA 809 ( b ).

They also failed to provide : A full transaction history Chain of assignment or debt ownership from XXXX XXXX  Verified license to collect in Florida Documentation from XXXX XXXX  fraud investigation ( only a summary from AmSher ) Continued reporting of this debt to credit bureaus violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA. Their response ignored several of my lawful requests for documentation. I have attached a full rebuttal outlining these failures and prior public cases ( XXXX, XXXX, XXXX ) that show a pattern of non-compliance by AmSher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy of a True Accord collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, True Accord would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX. XXXX XX/XX/XXXX {$200.00} XXXX. XXXX XXXX XX/XX/XXXX {$6400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and public records appearing on my consumer FICO credit report. Here is a list of the following hard inquiries in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have also included a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, public records, collections, or hard inquiries as reported. The aforementioned accounts, collections, public records and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, public records and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I have been trying to get on the website for about a month now and is unable to do so. When calling, it a 4 to 5 hour wait. My login information is correct but it won't log me in. It says I have no active loans available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent XXXX letters requesting more information about this matter I dont reside non

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Multiple versions of this collection account reports on and off constantly. They will change creditor name and dates and amounts but refuse to verify this account. They constantly call and harass. Threatening to arrest for a debt I do not owe and have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX, who has failed to honor a pay-for-deletion agreement that I entered into in good faith. Despite satisfying the debt in full, the account continues to appear on my credit report, thereby causing significant harm to my credit score and financial reputation. This is an outright violation of the agreement and represents an egregious lack of professionalism, transparency, and adherence to ethical business practices. 

XXXX XXXX Here are the key facts : XXXX. Pay-for-Deletion Agreement : I entered into a clear agreement with [ Insert Name of Editor/Creditor ] wherein I paid the debt in full with the explicit understanding that they would delete the account from my credit report once payment was made.

2. Payment Made : I made the full payment. 

XXXX. Failure to Delete : Despite the payment being processed and the agreement in place, the account continues to appear on my credit report as of XX/XX/year>. This is a clear breach of the pay-for-deletion agreement and is causing ongoing, unjust harm to my credit. 

XXXX. Inaccurate Reporting : The reporting of this account on my credit report is not only inaccurate but also fraudulent, as the agreed-upon deletion has not been honored. The persistent appearance of this account undermines my creditworthiness and is a direct violation of the Fair Credit Reporting Act ( FCRA ). 



I demand immediate action from both XXXX and the credit bureaus to : Remove the account from my credit report immediately, as per the terms of the pay-for-deletion agreement. 

Provide written confirmation that the account has been deleted from all reporting agencies. 
Ensure no further negative impact on my credit score as a result of this unresolved issue.

I trust the CFPB will thoroughly investigate this matter and hold the responsible parties accountable for failing to meet their obligations. Should this issue not be resolved within [ insert a reasonable time frame, e.g., 30 days ], I will consider further legal action to protect my rights and restore my credit. 



I have attached all relevant documentation, including proof of payment, correspondence with XXXX, and a copy of my credit report showing the account in question.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX, who has failed to honor a pay-for-deletion agreement that I entered into in good faith. Despite satisfying the debt in full, the account continues to appear on my credit report, thereby causing significant harm to my credit score and financial reputation. This is an outright violation of the agreement and represents an egregious lack of professionalism, transparency, and adherence to ethical business practices. 

XXXX XXXX Here are the key facts : XXXX. Pay-for-Deletion Agreement : I entered into a clear agreement with [ Insert Name of Editor/Creditor ] wherein I paid the debt in full with the explicit understanding that they would delete the account from my credit report once payment was made.

2. Payment Made : I made the full payment. 

XXXX. Failure to Delete : Despite the payment being processed and the agreement in place, the account continues to appear on my credit report as of XX/XX/year>. This is a clear breach of the pay-for-deletion agreement and is causing ongoing, unjust harm to my credit. 

XXXX. Inaccurate Reporting : The reporting of this account on my credit report is not only inaccurate but also fraudulent, as the agreed-upon deletion has not been honored. The persistent appearance of this account undermines my creditworthiness and is a direct violation of the Fair Credit Reporting Act ( FCRA ). 



I demand immediate action from both XXXX and the credit bureaus to : Remove the account from my credit report immediately, as per the terms of the pay-for-deletion agreement. 

Provide written confirmation that the account has been deleted from all reporting agencies. 
Ensure no further negative impact on my credit score as a result of this unresolved issue.

I trust the CFPB will thoroughly investigate this matter and hold the responsible parties accountable for failing to meet their obligations. Should this issue not be resolved within [ insert a reasonable time frame, e.g., 30 days ], I will consider further legal action to protect my rights and restore my credit. 



I have attached all relevant documentation, including proof of payment, correspondence with XXXX, and a copy of my credit report showing the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told the XXXX, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief