vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit and saw an account that wasn't approved by me. I'm requesting that it be reviewed and deleted because I don't recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: SC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING 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 2025-11-25 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing for the fourth and final time to dispute fraudulent and inaccurate accounts on my credit report. This is not a request ; it is a formal demand for immediate action. Your company is in willful violation of the Fair Credit Reporting Act ( FCRA ) and is actively engaging in fraudulent and deceptive practices that are causing me significant and ongoing financial harm. 

A. FRAUDULENT ACCOUNTS FOR IMMEDIATE DELETION The following accounts are the result of identity theft and fraud. I have no contractual or legal relationship with these creditors. I demand their immediate and permanent deletion from my consumer credit report : 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 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding an alleged debt being reported on my credit reports by a collection agency for XXXX XXXX  in the amount of {$1100.00}. This account is reporting inconsistently and inaccurately across all three credit bureaus, and I believe it is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The reporting shows conflicting and contradictory information including : Different Dates of Last Activity across each bureau Different Date Opened dates between XXXX XXXX XXXX XXXX  Recent updates in XXXX despite the alleged account originating in XXXX Biased remarks such as Dispute resolved consumer disagrees despite the debt never being fully validated These inconsistencies indicate the account may have been illegally re-aged, which is a direct violation of FCRA 623 ( a ) ( 5 ) ( re-aging of delinquent accounts ).

Under the FCRA 611 and 623, as well as the FDCPA 809, I am formally requesting full and proper validation and verification of this alleged debt. To date, I have never received legally sufficient validation. 

I am demanding the following documentation be provided : 1. The Date of First Delinquency ( DOFD ) used to calculate the reporting period 2. A copy of the original signed lease or contract bearing my signature 3. A complete payment ledger showing how the balance of {$1100.00} was calculated 4. Proof of legal assignment or ownership of the debt 5. Proof the collector is licensed and bonded in my state 6. Proof that reporting is compliant with Metro 2 standards 7. Documentation verifying the accuracy of the dates being reported to each bureau If the above information can not be produced, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ) as unverifiable and inaccurate.

Additionally, while this account is under formal dispute and investigation, the continued reporting of negative information may constitute willful or negligent noncompliance under FCRA 616617, making the reporting party liable for statutory damages, actual damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Complaint Against PHH Mortgage Improper Property Inspection at My Primary Residence, Misclassification of Loan Status, and Noncompliant Communication I am filing this complaint because PHH Mortgage ordered an unannounced property inspection at my primary residence even though I am in good standing under a repayment/workout agreement, not delinquent, and in ongoing communication with PHH. 

Details : This is my XXXXXXXX  home, which I have occupied continuously since XX/XX/XXXX. 

On Monday, XX/XX/XXXX, an inspector arrived without notice and took photos. 

This has serious privacy and safety implications. 

I immediately called PHH for an explanation. 

PHH refused to tell me why the inspection was ordered. 

They would not say whether my loan was misclassified as vacant or delinquent. 

PHH agents only repeated that I was not in foreclosure, which does not address the issue. 

This behavior strongly suggests PHH has incorrectly coded my loan status and ordered a default-related inspection in error, which is prohibited under federal servicing rules for borrowers who are : in a repayment plan, ( my repayment plan is approved and active ) in active loss-mitigation discussions, and occupying their homes. 

PHHs refusal to provide information is a RESPA violation and a failure of required servicer transparency. 

I request that the CFPB require PHH to : Explain why the inspection was ordered Disclose whether my account was wrongly coded as delinquent, vacant, or in default Correct any improper status codes Confirm my repayment plan is recognized Provide documents relating to the inspection order Ensure no future inspections occur without proper cause and notice Comply with RESPA communication requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I checked my Capital One bank account and it said that I have a XXXX  credit card on the way I card I never applied for the credit card then I was wondering how do I get it so I checked to see if I got hacked and in the address, it said it was gon na be shipped to XXXX XXXX XXXX  I I dont even live in that city or know anybody who lives in that city

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute for Inaccurate and Incomplete Credit Reporting\nTo Whom It May Concern,\nThis letter serves as a formal complaint and dispute against Experian, Equifax, and TransUnion for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.\nI am disputing the erroneous item listed below that currently appears on my credit report. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify this account. If you are unable to verify its accuracy, it must be deleted immediately, as it is unlawfully damaging my credit and financial well-being.\nAdditionally, under the Gramm-Leach-Bliley Act (15 U.S.C. 6802), I have a fundamental right to financial privacy. Section 1681(4) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.\nYour agency is also in violation of 15 U.S.C. 1681b(2), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of this account represents a direct violation of my privacy rights.\nFurthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.\nLastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such information on my report is a direct violation of my rights as a consumer.\nDisputed Account\XXXX XXXX\nAccount Number: XXXX\nViolation: 15 U.S.C.  1681s-2\n\nTerms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.\nAction Requested: DELETE FROM CREDIT REPORT.\nFinal Demands\nProvide written verification procedures for the disputed account.\nDelete or block all inaccurate, unauthorized, or unverifiable information.\nSend me an updated corrected credit report.\nCease all further unauthorized reporting in violation of federal law.\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and potential legal action for damages under 15 U.S.C.  616 & 617.\nRespectfully,\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 2025-11-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute for Inaccurate and Incomplete Credit Reporting\nTo Whom It May Concern,\nThis letter serves as a formal complaint and dispute against Experian, Equifax, and TransUnion for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.\nI am disputing the erroneous item listed below that currently appears on my credit report. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify this account. If you are unable to verify its accuracy, it must be deleted immediately, as it is unlawfully damaging my credit and financial well-being.\nAdditionally, under the Gramm-Leach-Bliley Act (15 U.S.C. 6802), I have a fundamental right to financial privacy. Section 1681(4) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.\nYour agency is also in violation of 15 U.S.C. 1681b(2), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of this account represents a direct violation of my privacy rights.\nFurthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.\nLastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such information on my report is a direct violation of my rights as a consumer.\nDisputed Account\XXXX XXXX\nAccount Number: XXXX\nViolation: 15 U.S.C.  1681s-2\n\nTerms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.\nAction Requested: DELETE FROM CREDIT REPORT.\nFinal Demands\nProvide written verification procedures for the disputed account.\nDelete or block all inaccurate, unauthorized, or unverifiable information.\nSend me an updated corrected credit report.\nCease all further unauthorized reporting in violation of federal law.\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and potential legal action for damages under 15 U.S.C.  616 & 617.\nRespectfully,\XXXX XXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
Re : Follow-Up to CFPB Complaint # XXXX Subject : Request for Removal of Inaccurate Late Payments ( XX/XX/XXXX & XX/XX/XXXX ) To Whom It May Concern, I am submitting this formal follow-up letter to supplement my original complaint, CFPB Complaint # XXXX. The late payments reported by XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX late ) and XX/XX/XXXX ( XXXX late ) are inaccurate, prematurely reported, and not supported by the official account statements I received from XXXX. 

XXXX. The XX/XX/XXXX XXXX late payment was reported too early ( FCRA 607 ( b ) ). 
My XX/XX/XXXX statement shows a payment due date of XX/XX/XXXX, with a grace period extending through XX/XX/XXXX. A payment can not be legally reported as XXXX  days late until XX/XX/XXXX. However, my XX/XX/XXXX statement shows no late fees and no indication of a XXXX delinquency. Reporting a XX/XX/XXXX XXXX late was premature and therefore inaccurate. 

XXXX. The XX/XX/XXXX XXXX late is mathematically impossible. 
A XXXX delinquency requires the account to first be XXXX  days late as of XX/XX/XXXX and then XXXX  days late as of XX/XX/XXXX. Yet my XX/XX/XXXX statement only shows a {$4.00} late fee, which is consistent with approximately XXXX  days latenot XXXX  days. The XX/XX/XXXX XXXX late entry is not supported by the account statements and is inaccurate. 

XXXX. XXXX XXXX  provided an incorrect loan agreement date, showing their records are unreliable ( FCRA 623 ( a ) ( 1 ) ( A ) ). 
In their response to my complaint, XXXXXXXX XXXX stated I agreed on XX/XX/XXXX to the credit builder terms. This date is incorrect and contradicts the XXXX account statements issued to me. If the foundational date in their system is wrong, the reported delinquency dates can not be trusted or verified as accurate. 

XXXX. XXXX has not provided required verification documents ( FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ). 
A signed loan agreement, complete payment ledger, and accurate delinquency aging schedule were not provided. Under the FCRA, information that can not be verified must be removed from a consumers credit reports. 

Requested Resolution : I respectfully request that the XX/XX/XXXX XXXX late and XX/XX/XXXX XXXX late entries be removed from my credit reports. If XXXX XXXX  can not verify the accuracy of the reported information with proper documentation, I request removal of the entire tradeline. 

Thank you for your time and continued assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I lease XX/XX/XXXXXXXX XXXX XXXX on XXXX, XXXX for {$290.00} monthly payment for XXXX  Month end on XXXX XXXX I paid {$3000.00} down payment include first payment {$290.00}. I made XXXX, XXXX payment and on XXXX, XXXX I got deal with XXXX XXXX XXXX request the payoff from KIA finance and send the last XXXX payment for XXXX to XX/XX/XXXX {$1400.00} and send the car also. from XXXX KIA start tried to get {$430.00} because I terminated the lease I explained to them I'm not did that I paid the whole lease XXXX, month and I returned the car after that they try to collect {$340.00} and they report false information regard my account caused to lower my score. I upload copy from XXXX XXXX. 
Thank you

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