vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 was not involved in creating these accountsthey are fraudulent. Under USC 1681g, I request their prompt removal from my credit report within the allotted 15 days. Enclosed is documentation for verification.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: CA

Complaint narrative:
MY PERSONAL AND FINANCIAL DATA WAS COMPROMISED VIOLATING FERA.I REQUEST FULL CANCELLATION OF MY STUDENT LOAD DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted the customer service number for experian about thei billing for service I did not order I contacted them twice and the problem is continuing I contacted them the first time on XX/XX/year> and a second time today. I asked to speak to a person who spoke XXXX and was connected to a person with a very heavy accent who did not understand XXXX. I am being billed XXXX for a service I did not order. They are billing XXXX which I do not use

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I have received two letters of debt collection from XXXX XXXX XXXX XXXX XXXX regarding an unpaid balance of {$450.00} with XXXX XXXX. XXXX ( XXXX, NC ). It included the last four numbers of an account ( for XXXX ), but I have no such numbered account and a call to XXXX confirmed I do not have an account ending in the 4 numbers printed on the letter. Transaction date is XX/XX/year> and the creditor is XXXX, XXXX, XXXX. The second letter included a copy of the sales receipt with check number and account number but neither are mine. I have a XXXX checking account which does match the account number on the receipt and check number XXXX on receipt is not mine as my XXXX check XXXX was written to XXXX XXXX. Further, I live in XXXX and never have been to XXXX. I do XXXX  driving and I was driving in the XXXX on XX/XX/XXXX. From the first letter, I returned a form stating the debt was not mine. The second letter validated the debt, but again it is not mine. XXXX also misspelled my last name in the second letter. I am preparing a letter to send to XXXX that I am an identity theft victim with supporting documents, which includes this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
am writing to formally dispute an erroneous delinquency report concerning my Capital One Auto Finance account. On XX/XX/year>, I received multiple email notifications indicating that my auto account had been reported as over 30 days past due. 

Upon contacting Capital One Auto Finance to address this issue, I was informed that no corrective action could be taken directly and that I would need to submit a fraud investigation request. This response is unacceptable given the nature of the error and the impact it may have on my credit standing.

To support my claim, I have attached the following documentation : A screenshot of my Capital One Auto account, clearly displaying the date and time in the bottom right-hand corner, which confirms that the account is not 30 days past due.

A screenshot from XX/XX/XXXX showing that the account has been reported as delinquent.

I request that this matter be investigated promptly and that the inaccurate reporting be corrected without delay. Please confirm receipt of this complaint and advise on the next steps to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Absolute Resolutions Investments XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear Absolute Resolutions Investments I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
PHH Mortgage has solicited marketed and fished me into starting a loan application I would not let them pull a hard inquirey and they stated they could not get my soft pull on XXXX  WHY IF THEY CASNT GET A SOFT PULL WHAT MAKES YOU THINK THEY CAN GET IT ON A HARD POOL PHH is fishing causing me to provide all this information when I am a existing customer THERE MARKETING TATICS ARE REALLY AND SHOULD BE AGAINST THE LAW

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 2025-08-04 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:
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 2025-08-04 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: NC

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 2025-08-05 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-04 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover is inaccurately reporting a XXXX late payment for XX/XX/XXXX, despite receiving my payment on XX/XX/XXXX. 

What Happened : I contacted Discover, and they claim I didnt pay in XXXX and therefore marked me late in XXXX. However, I made a payment in XXXX that posted on XX/XX/XXXX, and under Regulation Z, XXXX C.F.R. XXXX ( b ) ( XXXX ) ( ii ), a payment can not be considered late unless the billing statement was sent at least 21 days before the due date ( XX/XX/XXXX ). 

I disputed this with the credit bureaus and Discover. Discover responded but failed to provide any account-level recordssuch as statement mailing logs or payment ledgerto justify the late mark. 

Discovers reporting is inaccurate, misleading, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXXXXXX XXXX, account number XXXX * * * According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXX * * Creditor : XXXXXXXX XXXX Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XX/XX/XXXX Balance Owed : XXXX Account has been open under no acknowledgment to me. 
I have requested multiple times for this account to be deleted and verified, but no results have been taken. I have submitted all documentations. The investigation was not properly handled by experience, Equifax nor Trans Union Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within XXXX  days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXXXXXX XXXX, account number XXXX * * * According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXX * * Creditor : XXXXXXXX XXXX Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XX/XX/XXXX Balance Owed : XXXX Account has been open under no acknowledgment to me. 
I have requested multiple times for this account to be deleted and verified, but no results have been taken. I have submitted all documentations. The investigation was not properly handled by experience, Equifax nor Trans Union Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within XXXX  days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

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 2025-08-04 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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