vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XXXX, I executed two mortgages with XXXX, a division of XXXX XXXX XXXX XXXX XXXX. These liens were satisfied in XXXX  by XXXX XXXX XXXX XXXX, as recorded in XXXX XXXX public records. In XXXX, XXXX XXXX  acquired XXXX and XXXX XXXX for {$1.00} XXXX and integrated them into its mortgage securitization platform. 

In XXXX, Bank of America originated a new mortgage, which was also satisfied in XXXX. Despite these recorded satisfactions, XXXX XXXX or its successors appear to have securitized my extinguished mortgage into a trust and enabled servicing activity through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

In XXXX, Bank of America executed an assignment to XXXX referencing the extinguished XXXX lien. This assignment was signed by XXXX XXXX, a known robo-signer, and notarized by XXXX. XXXX in California for a South Carolina property. Additionally, the XXXX Lost Satisfaction was signed by XXXX XXXX, another known robo-signer whose signature appears in multiple forged variations. The notary, XXXX XXXX XXXX, was based in Georgia and notarized the document without lawful authority. 

Critically, the property is held under a XXXX XXXX XXXX with survivorship and remainder interest in my children, as recorded in XXXX XXXX Deed Book XXXX Page XXXX. This deed structure constitutionally bars third-party lien layering without due process and extinguishment reconciliation. Any mortgage layered over this structure without proper assignment and extinguishment logic is void ab initio. 

XXXX XXXX XXXX XXXX  continues to collect payments and report to credit bureaus on this void lien, causing consumer harm and title obstruction. I have submitted Qualified Written Requests and Notices of Error, but no correction has been made. I am requesting enforcement review, cancellation of void servicing, correction of credit reporting, and restoration of title.

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 2025-11-01 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I disputed XXXX charges at XXXX in XXXX NY. XXXX occurred on XX/XX/year> in the amount of XXXX dollars. I submitted fraud in XXXX and Navy Federal Credit Union XXXXXXXX XXXX  said charged are valid. I live in Florida.and did not.travel to NY or authorize XXXX transactions. I submitted appeal but Navy FederaXXXX has me paying the XXXX due XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
XXXX XXXX XXXX XXXX XXXX has made repeated attempts, including wage garnishment, to collect an alleged debt without validation. Their continuous reporting to my consumer file is a violation of my rights and causing me financial harm. 

Alleged Debt : {$1000.00} ACTION : Wage/Bank Account Garnishment Attempt DATE E-FILED : XX/XX/scrub>XXXX XXXX XXXX COURT RULING : DENIED XX/XX/scrub>XXXX XXXX XXXX The attached garnishment docket from XXXX XXXX XXXX XXXX XXXX Florida constitutes documentary proof that XXXX XXXX XXXX XXXX XXXX : 1. Attempted asset seizure through wage/bank garnishment before providing debt validation 2. Engaged in collection activity in direct violation of 15 U.S.C. 1692g ( b ) cease requirements 3. Filed legal action without establishing ownership or legal standing to collect 4. Violated due process requirements under Florida law and federal consumer protection statutes Attached is GARNISHMENT VIOLATION DOCUMENTATION from XXXX XXXX XXXX XXXX, Florida as evidence of XXXX XXXX XXXX ' FDCPA violations through improper garnishment attempts in violation of 15 U.S.C. 1692g ( b ). 

A. XXXX XXXX EVIDENCE OF FEDERAL LAW VIOLATIONS The attached garnishment docket from XXXX XXXX XXXX XXXX, Florida, Case No. XXXX XXXX, constitutes documentary proof that XXXX XXXX XXXX XXXX XXXX XXXX 1. Attempted asset seizure through wage/bank garnishment before providing debt validation 2. Engaged in collection activity in direct violation of 15 U.S.C. 1692g ( b ) cease requirements 3. Filed legal action without establishing ownership or legal standing to collect 4. Violated due process requirements under Florida law and federal consumer protection statutes B. JUDICIAL RECOGNITION OF IMPROPER PROCEDURES The court 's denial of XXXX XXXX XXXX garnishment attempt provides third-party judicial validation that their collection procedures were improper and legally insufficient. 

XXXX PATTERN VIOLATION EVIDENCE Based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Florida courts recognize that " aggressive legal actions '' by debt collectors must comply with proper statutory procedures. XXXX XXXX 's garnishment attempt demonstrates the systematic disregard for FDCPA validation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has made repeated attempts, including wage garnishment, to collect an alleged debt without validation. Their continuous reporting to my consumer file is a violation of my rights and causing me financial harm. 

Alleged Debt : {$1000.00} ACTION : Wage/Bank Account Garnishment Attempt DATE E-FILED : XX/XX/scrub>XXXX XXXX XXXX COURT RULING : DENIED XX/XX/scrub>XXXX XXXX XXXX The attached garnishment docket from XXXX XXXX XXXX XXXX XXXX Florida constitutes documentary proof that XXXX XXXX XXXX XXXX XXXX : 1. Attempted asset seizure through wage/bank garnishment before providing debt validation 2. Engaged in collection activity in direct violation of 15 U.S.C. 1692g ( b ) cease requirements 3. Filed legal action without establishing ownership or legal standing to collect 4. Violated due process requirements under Florida law and federal consumer protection statutes Attached is GARNISHMENT VIOLATION DOCUMENTATION from XXXX XXXX XXXX XXXX, Florida as evidence of XXXX XXXX XXXX ' FDCPA violations through improper garnishment attempts in violation of 15 U.S.C. 1692g ( b ). 

A. XXXX XXXX EVIDENCE OF FEDERAL LAW VIOLATIONS The attached garnishment docket from XXXX XXXX XXXX XXXX, Florida, Case No. XXXX XXXX, constitutes documentary proof that XXXX XXXX XXXX XXXX XXXX XXXX 1. Attempted asset seizure through wage/bank garnishment before providing debt validation 2. Engaged in collection activity in direct violation of 15 U.S.C. 1692g ( b ) cease requirements 3. Filed legal action without establishing ownership or legal standing to collect 4. Violated due process requirements under Florida law and federal consumer protection statutes B. JUDICIAL RECOGNITION OF IMPROPER PROCEDURES The court 's denial of XXXX XXXX XXXX garnishment attempt provides third-party judicial validation that their collection procedures were improper and legally insufficient. 

XXXX PATTERN VIOLATION EVIDENCE Based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Florida courts recognize that " aggressive legal actions '' by debt collectors must comply with proper statutory procedures. XXXX XXXX 's garnishment attempt demonstrates the systematic disregard for FDCPA validation requirements.

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 2025-11-01 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:
ASKED EXPERIAN TO VERIFY INQUIRIES AND NO RESPONSE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-01 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-01 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: NV

Complaint narrative:
I am disputing multiple reporting and reinvestigation violations under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX data accuracy standards by TransUnion. 

Specifically, my file contains : Inaccurate or unverified personal identifying information ( PII ) including variations of my name, old or incorrect addresses, and outdated or unverified employers. These discrepancies do not match my current legal identification or supporting documents. 

Account records showing inconsistent or incomplete data fields including missing dates, incorrect statuses, miscoded account types, contradictory comments, and incomplete XXXX XXXX formatting. These errors prevent maximum possible accuracy as required by FCRA 607 ( b ). 

Hard inquiries that appear to lack a permissible purpose or verifiable authorization under FCRA 604. Several inquiries display incomplete or mismatched identifying information and have not been properly verified despite my written dispute.

I submitted a formal written dispute citing FCRA 609, 611, and 623, requesting the Method of Verification XXXX XXXX XXXX, investigation logs, and evidence of verification at the field level for each disputed item. I did not receive any documentary proof or detailed verification records within the statutory timeframe. 

This lack of verification and the continued publication of potentially inaccurate data directly affect my credit score and financial opportunities. TransUnions failure to reinvestigate and verify as required violates FCRA 611 ( a ) and XXXX XXXX XXXX data standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NV

Complaint narrative:
I am disputing multiple reporting and reinvestigation violations under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX data accuracy standards by TransUnion. 

Specifically, my file contains : Inaccurate or unverified personal identifying information ( PII ) including variations of my name, old or incorrect addresses, and outdated or unverified employers. These discrepancies do not match my current legal identification or supporting documents. 

Account records showing inconsistent or incomplete data fields including missing dates, incorrect statuses, miscoded account types, contradictory comments, and incomplete XXXX XXXX formatting. These errors prevent maximum possible accuracy as required by FCRA 607 ( b ). 

Hard inquiries that appear to lack a permissible purpose or verifiable authorization under FCRA 604. Several inquiries display incomplete or mismatched identifying information and have not been properly verified despite my written dispute.

I submitted a formal written dispute citing FCRA 609, 611, and 623, requesting the Method of Verification XXXX XXXX XXXX, investigation logs, and evidence of verification at the field level for each disputed item. I did not receive any documentary proof or detailed verification records within the statutory timeframe. 

This lack of verification and the continued publication of potentially inaccurate data directly affect my credit score and financial opportunities. TransUnions failure to reinvestigate and verify as required violates FCRA 611 ( a ) and XXXX XXXX XXXX data standards.

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 2025-11-01 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:
I am submitting this formal complaint regarding multiple inaccuracies and violations appearing on my credit profile that are causing damage to my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have already exercised my rights to dispute these items with the credit bureaus, yet these errors persist without proper reinvestigation, verification, or documentation. These ongoing violations have affected my creditworthiness and financial opportunities. I am demanding a full investigation, deletion, and legal correction of all items listed below. 

XXXX XXXX XXXX XXXX, XXXX  XXXX This address is not linked to my verified residence, employment, or any credit application. Reporting and verifying this false data after prior disputes violates FCRA Sections 602 ( A ), 607 ( B ), and 611 ( A ), which require maximum possible accuracy and proper reinvestigation of disputed information. Continued reporting of this unverified data constitutes willful noncompliance under Sections 616 and 617. I demand immediate deletion of this unverifiable address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has never been associated with my personal or financial records. Its continued appearance on my credit file breaches FCRA Sections 607 ( B ) and 611 ( A ) for failure to ensure accuracy and reinvestigate disputed data. Reporting unverified information after notice of dispute is a violation of federal law under Sections 616 and 617. I request that this address be deleted immediately and written confirmation of removal be provided within 30 days. 

I request that the CFPB compel all relevant credit bureaus and furnishers to immediately remove the wrong address, delete the inaccurate XXXX XXXX  account late payment data, and remove the unauthorized XXXX XXXX XXXX inquiry from my credit report. Each of these violations has caused substantial harm, mental distress, and unfair damage to my financial credibility. I seek confirmation of corrective action and written proof of deletion and compliance under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This collection agency Never notified Me threw Mail, Phone not even 5 day period they have to do gotten None Documents Chain of assignments, purchase agreement, Insurance claim of debt, A Signature Agreeing to pay them 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ), which are part of the Fair Debt Collection Practices Act ( FDCPA ) .Feb 20, 202

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
On XX/XX/year> I sent a debt validation letter asking for The full chain of assignment, transfer, or sale of the debt, including copies of all contracts or agreements that demonstrate your legal right to collect. How ever the information they provided did not satisfy the request proper validation under ( FDCPA ) The documents sent to me only include an account summary and general description of account assignment. On XX/XX/year> I then sent a follow up letter asking to once again Validate the debt and still have not received a response. 

The Balance I'm being charge is for the amount of {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
Sending my personal identification to be added to my previous complaint because I forgot to include it before I submitted the first complaint. I also mistakenly used the last four of my telephone number where the last four of my social security number should had been added. I am making those corrections here. The last four of my social is XXXX that is replacing XXXX in my previous complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MI

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Written-Off Account Capital One ( # XXXX ) Dear Credit Bureau Representative , I am writing to formally dispute the accuracy of a written-off account appearing on my credit report. The account is listed as Capital One account number XXXX. After reviewing my credit file, I have determined that the information being reported is inaccurate and incomplete, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 

I have never received any verifiable documentation from Capital One showing that this account was validly charged off, nor that the information reported is complete or up to date. Therefore, I am requesting that you conduct a full reinvestigation into this account and provide written verification of the accuracy of the information reported. 

If you can not verify this account with certified documentation from the original creditor, you are required under federal law to delete this account from my credit report. Please provide me with the results of your investigation within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter. I expect full compliance with federal law and a timely resolution. 

Sincerely, XXXX XXXX ( Signature, if printing and mailing )

Company response to consumer: Closed with explanation