vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: UT

Complaint narrative:
I am disputing a collection account reported by Credit Control , LLC for {$800.00}, originally from XXXX, appearing on my XX/XX/XXXXand XX/XX/XXXX credit reports.

This account is reporting inaccurate, incomplete, and unverifiable information : 1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and reporting unverifiable or inconsistent data violates this section.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation using competent evidence, not automated verification or XX/XX/XXXXdata matching.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), if any information can not be verified, it must be promptly deleted. 
4 Under FDCPA 1692g, Credit Control , LLC must provide full validation of the alleged debt, including a signed agreement, complete billing statement, and proof of ownership which have not been provided. 
I am requesting the CFPB to investigate and require Credit Control , LLC and the credit bureaus to provide proper validation of this debt. If they can not provide original documentation within the required timeframe, I am requesting permanent deletion of this collection from all affected credit reports.

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 2025-10-18 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: MN

Complaint narrative:
I filed written disputes with XXXXXXXX XXXX, and Equifax concerning a collection account reported by XXXX. This account shows as Open Late 120 Days Consumer disputes after resolution Collection account despite showing no recent activity or balance updates since XXXX 

XXXX has failed to provide any proof of a valid debt, contract, or record of ownership after my validation requests and bureau disputes. The continued reporting of an open delinquent collection without verification is misleading and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ), 607 ( b ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). 
I am requesting that the CFPB require XXXX to provide documentary validation of this account, including original-creditor documentation, or remove it completely from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX XXXX collection account related to XXXX XXXX ( opened XX/XX/year>, balance {$1000.00} ). My report contains conflicting balance information ( {$740.00} and {$1000.00} ) and a data-coding error shown as XXXX. 

These inconsistencies demonstrate the information is inaccurate and unverifiable, violating FCRA 607 ( b ) ( requirement for maximum possible accuracy ). A record containing data errors or conflicting balances can not be considered complete or verifiable. 

Please reinvestigate this account with the furnisher. If XXXX XXXX XXXX can not fully verify and correct the record within 30 days, please delete the account from my credit file. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
I find it very unfortunate that Experian has ignored my requests and doesnt seem to care about the consumer. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Experian regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of depression and XXXX  which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being one of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

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 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am submitting this complaint against Exeter Finance LLC for ( 1 ) failing to provide a Form 1099-C after charging off or writing off my auto-loan account, and ( 2 ) continuing to report the account inaccurately to the credit bureaus as charged-off or written-off despite showing a {$0.00} balance. 
Details and Facts The account originated on or about XX/XX/XXXX under a Retail Installment Sale Contract with an original principal of {$25000.00}. Over the course of the loan I made payments totaling approximately {$43000.00}. Exeters Statement of Account dated XX/XX/XXXX shows the company waived all late fees and the {$410.00} repossession fee, leaving a principal balance of {$0.00} and indicating all amounts satisfied. 
Despite this, Exeter and its assignee XXXX XXXX XXXX continue to furnish data to the credit bureaus showing the account as Charged-Off / Written-Off Bad Debt. Because the account has been charged off and reduced to {$0.00}, I have the right to receive a Form 1099-C ( Cancellation of Debt ) confirming the write-off amount under 26 U.S.C. 6050P. Exeter has not provided this documentation, leaving me unable to reconcile my tax reporting or confirm whether the company has properly reported the cancellation to the IRS. This conduct constitutes Inaccurate and misleading credit reporting in violation of 15 U.S.C. 1681s-2 ( b ) ; Failure to provide federally required tax documentation for canceled debt ( Form 1099-C ) ; and Deceptive or unfair acts or practices under the Consumer Financial Protection Act. Requested Relief

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX Include dates, amounts, and actions that were taken by you or the company.

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My XXXX XXXX XXXX was declared a total loss in XXXX while financed through Capital One Auto Finance. In XX/XX/XXXX, Capital One received two credits : ( 1 ) an insurance payment of {$13000.00}, and ( 2 ) a {$3000.00} warranty/service contract refund. Together these total {$16000.00}, which exceeded the remaining loan balance of {$16000.00} at the time of loss.

Despite this, Capital One continues to report and attempt to collect a deficiency balance of {$3600.00}. The GAP administrator ( XXXXXXXX XXXX XXXX XXXX  ) also issued a claim calculation letter dated XX/XX/XXXX, confirming that the deficiency balance was {$0.00}. This shows the loan was satisfied and that the balance now being reported is inaccurate. 

I have provided Capital One with copies of their own statement, the GAP calculation, and my correspondence, yet the company has not corrected the error. I am requesting the CFPBs assistance to require Capital One to provide a full accounting, stop reporting this invalid balance, and update my credit report to show the account as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: SIMM Associates, Inc.
State: MI

Complaint narrative:
I said this to SIMM Associates inc Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of the debt in writing, and to limit communications to written correspondence. I will not be calling your office.

Please provide the requested debt validation documents in writing as previously outlined online. Once proper validation has been received, I will review and respond accordingly regarding any potential payment arrangements.

I expect all further communications to be in writing.

Yet they keep insisting I call them. I did receive some documentation but one of the files they sent had personal and confidential information about another person from a different state involving a different loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
DEPT OF EDXXXX XXXX XXXX XXXX .. In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681

Company response to consumer: Untimely response
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting this dispute regarding inaccurate and misleading reporting on my credit file, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ). The account XXXX XXXX  ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX reports a balance of {$450000.00} and shows late payments from XXXX through XX/XX/XXXX, including 30-, 60-, and 90-day delinquencies. However, these reported late payments are inaccurate and do not reflect the true payment history of the account. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure accuracy and completeness in all reported data. I request a full reinvestigation to verify all reported payment dates and amounts to ensure compliance with FCRA 611 ( a ) Additionally, the account XXXX  XXXX  ( Account No. XXXX ) XXXX reports a balance of {$21000.00} with multiple late notations 30 to 120 days spanning from XX/XX/XXXX through XX/XX/XXXX. These delinquencies are highly inconsistent with my payment records and therefore violate the requirement of maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. This misinformation is causing significant harm to my credit standing and must be corrected if unverifiable. 
Furthermore, the account XXXX XXXX ( Account No. XXXX ) XXXX XXXX incorrectly shows a {$0.00} balance and inaccurate payment status, and XXXX  XXXXXXXX XXXX XXXX is being reported as included in bankruptcy, * * which is inaccurate and misleading. Under FCRA 623 ( a ) ( 2 ), data furnishers are obligated to promptly update and correct information they discover to be inaccurate or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting this dispute regarding inaccurate and misleading reporting on my credit file, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ). The account XXXX XXXX  ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX reports a balance of {$450000.00} and shows late payments from XXXX through XX/XX/XXXX, including 30-, 60-, and 90-day delinquencies. However, these reported late payments are inaccurate and do not reflect the true payment history of the account. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure accuracy and completeness in all reported data. I request a full reinvestigation to verify all reported payment dates and amounts to ensure compliance with FCRA 611 ( a ) Additionally, the account XXXX  XXXX  ( Account No. XXXX ) XXXX reports a balance of {$21000.00} with multiple late notations 30 to 120 days spanning from XX/XX/XXXX through XX/XX/XXXX. These delinquencies are highly inconsistent with my payment records and therefore violate the requirement of maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. This misinformation is causing significant harm to my credit standing and must be corrected if unverifiable. 
Furthermore, the account XXXX XXXX ( Account No. XXXX ) XXXX XXXX incorrectly shows a {$0.00} balance and inaccurate payment status, and XXXX  XXXXXXXX XXXX XXXX is being reported as included in bankruptcy, * * which is inaccurate and misleading. Under FCRA 623 ( a ) ( 2 ), data furnishers are obligated to promptly update and correct information they discover to be inaccurate or incomplete.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX is reporting late payment activity on a disputed, purchased account ( XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Their validation packet lacks account-specific chain of title or itemized accounting. They continue furnishing without coding as disputed, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), 623 ( b ) and FDCPA 807 ( 8 ). I request deletion of the tradeline and cessation of collection. Also spring oaks is reporting the same debt several times under different tradelines, violating 15 U.S.C. 1681s-2 ( b )

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 2025-10-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX is reporting late payment activity on a disputed, purchased account ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). Their validation packet lacks account-specific chain of title or itemized accounting. They continue furnishing without coding as disputed, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), 623 ( b ) and FDCPA 807 ( 8 ). I request deletion of the tradeline and cessation of collection. Also spring oaks is reporting the same debt several times under different tradelines, violating 15 U.S.C. 1681s-2 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
Altitude Community Law is attempting to collect an alleged HOA-related debt. I have made several attempts to contact them by email and phone over the past few weeks to resolve or discuss the matter. Despite multiple documented emails and voicemail messages, they have completely failed to respond. They did validate the debt, but then completely stopped responding even though I disputed the debt weeks ago. 

Their refusal to acknowledge or respond to reasonable written communication prevents me from addressing or disputing the alleged balance, which I believe violates my rights under the Fair Debt Collection Practices Act and the Colorado Fair Debt Collection Practices Act. 

I am requesting that they provide a written response and resume professional communication regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Grow Credit Inc
State: TX

Complaint narrative:
Company refuses to comply with FTC Report showing identity theft. This account was opened by an ex wife and they refuse to remove from my credit report or show a contract that I signed with copy of my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
I find it very unfortunate that Experian has ignored my requests and doesnt seem to care about the consumer. I recently submitted a complaint to Experian and have been completely ignored even though I told them I was a victim of Identity theft. I have attached a FTC identity theft Affidavit. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Experian regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of depression and XXXX  which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being one of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

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