vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX Mortgage, the servicer ( and the ones responsible for reporting the HELOC as a CL instead of as a XXXX ) regarding inaccurate credit reporting related to my Home Equity Line of Credit ( HELOC ) mortgage account that was transferred from XXXX  to XXXX. Details : For XXXX consecutive months, while serviced by XXXX, my HELOC was accurately reported to the credit bureaus with an Account XXXX of Mortgage. Upon transfer of servicing to XXXX XXXX XXXX, the reporting was changed to Account Type : CL ( Credit Line ), which is factually and legally inaccurate. This incorrect reporting has caused a XXXX drop in my XXXX score and has led to denials of credit, including recent applications. I have contacted XXXX XXXX XXXX multiple times to request correction of this reporting error, but they have failed or refused to make the correction or provide documentation to justify the change. This inaccurate reporting violates the XXXX XXXX XXXX XXXX XXXX XXXX  ), specifically : XXXX U.S.C. XXXX ( a ) Duty of furnishers to provide accurate information. XXXX XXXX. XXXX ( b ) Duty to conduct an investigation upon notice of dispute. XXXX : Prior to Transfer ( through XXXX ) : Account reported accurately as a mortgage for XXXX XXXX. After Transfer to XXXX ( recent months ) : Account began reporting incorrectly as XXXX ( credit line ). Recent : FICO score dropped approximately XXXX points ; denials of credit followed. Attempts to Resolve : Multiple contacts to XXXX requesting correction ; no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-05 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies and incomplete reporting of several accounts on my credit report. These disputes are with Experian and I request a thorough investigation and correction of the errors listed below. I believe that these accounts contain discrepancies that violate the Fair Credit Reporting Act ( FCRA ), and I am seeking resolution. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
Please see previous note. 

The company never billed this to me. I received a debt collection notice only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Debt Collection Agency : LVNV Funding LLC Agency Address : XXXX XXXX XXXX City, State ZIP Code : XXXX, SC XXXX I am writing regarding an alleged debt that you have claimed I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am requesting that you cease all communication with me immediately about this debt.

You may contact me only to confirm that you will no longer contact me or to inform me of specific legal action you intend to take. Any further contact beyond what is allowed by law will be considered a violation of my rights under the FDCPA.

Please also provide written confirmation that you have received and processed this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : None listed for Experian. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-05 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: CA

Complaint narrative:
This entry incorrectly portrays my payment behavior and should be corrected. Please amend my records to ensure they are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting this dispute to Equifax regarding the following accounts, which I believe contain inaccurate information. 

Charged Off Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems LLC for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

DETAILS OF THE ALLEGED DEBT Jefferson Capital Reference # : XXXXXXXX XXXX Reference # : XXXX Original Creditor : XXXX Original Account # : XXXX Amount Claimed : {$1200.00} Charge-Off Date : XX/XX/XXXX WHAT HAPPENED On XX/XX/XXXX, a Jefferson Capital representative called me and referenced the above debt. I immediately informed the caller that I had already sent a * * certified cease-communication letter * * and hung up. This contact probably occurred * * after * * Jefferson Capital received my certified letter demanding they cease all communication under FDCPA 1692c ( c ).

The debt is also : * * Time-barred * * in Minnesota ( 6-year SOL, Minn. Stat. XXXX expired XX/XX/XXXX ). 
* * Past the 7-year FCRA reporting period * * ( expired XXXX XXXX, XXXX ). 

REQUESTED RELIEF 1. Order Jefferson Capital to * * cease all collection activity * * on this account.

2. Require * * deletion of any trade line * * from my credit reports.

3. Impose * * maximum statutory damages * * for the FDCPA 1692c violation.

4. Preserve all call recordings and internal notes related to the account I am prepared to provide additional evidence ( call recordings, credit reports ) upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that TransUnion and XXXX XXXX XXXX XXXX XXXX has failed to Preform a reasonable investigation into the XXXX XXXX XXXX XXXX accounts on their respective credit reports in accordance with 15 U.S.C.1681s-2 ( b ), and 15U.S.C. 1681i ( a ) ( 1 ) ( A ).

Before me, the undersigned authority, appeared who being first duly sworn, says that TransUnion and XXXX XXXX XXXX XXXX, has failed to provide Proof of Ownership : Bill of Sale or Assignment Contract. XXXX XXXX XXXX XXXX is inactive since XX/XX/XXXX according to the Office of the Comptroller of Currency. If XXXX XXXX XXXX XXXX XXXXnactive since XX/XX/XXXX, how could it originate any financial transaction XX/XX/XXXX? If XXXX XXXX XXXX XXXX was inactive since XXXX how is it reporting in XX/XX/XXXX and XX/XX/XXXX accurate information. 
False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 
. 

That said defendant ( s ) has/have failed to accurate information according to 15 U.S.C. 1681s-2 for the furnisher and 15 U.S.C. 1681e for the Credit Reporting Agencies ( CRAs ) That Transunion, and XXXX XXXX XXXX XXXX after serval CFPB Complaints has failed to address the proof legal ownership or assignment contract issue granting them the legal right to create negative accounts on my credit reports pursuant to Fair Debt Collection Practices Act ( FDCPA ) RE : Notification of Legal Proceedings Identifiers : XXXX  District Missouri : Case Number XXXX TransUnion Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Based on : TransUnion Report Number : XXXX dated XX/XX/XXXX Account Verification Complaints CFPB Case Number : XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX CFPB Case 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 non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting this dispute to Experian for the following accounts listed as charged off, and inquiries shown on my Experian credit report. Please investigate these discrepancies and remove any items that can not be verified as accurate. I request full compliance with the FCRA. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: IL

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AL

Complaint narrative:
I disputed this Discover credit card account with XXXX  because it was charged off and closed in XXXX, but XXXX  continues to report new updates in XXXX. The account shows a balance updated date of XX/XX/XXXX, even though no payments or activity have occurred since the charge-off. This makes it appear as if the account is active or recently delinquent, which is inaccurate and may constitute re-aging of the debt.

I provided evidence showing the account was closed and the card expired in XXXX, but XXXX  verified it without correction. I am requesting a proper manual reinvestigation and correction or deletion of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have suspicion to believe one of my children 's SSN 's were used for a tax return that we did not authorise. Their SSN Identity might have been compromised. They are all under the age of XXXX XXXX XXXX, so I can not get a credit score/rating in their names done. It was advised to lay a complaint regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported as " Charged Off '' on my Experian credit report : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have disputed this debt constantly. This is not an account that I opened nor do I own, nor was I the cardholder. This person has entered my building and been to my home... taped things to my door for my neighbors to read while Im not home. XXXX harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am disputing the following items on my Equifax credit report. Please investigate these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). If these items can not be verified or validated, I request their immediate removal from my credit file. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief