vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company states on my credit report that they are the original owners/ creditors. I have disputed with Transunion report several time since they open the report on XX/XX/year>. I have not received any information like what I requested on my first notice. This is my second attempt. This company has no account number on credit report to try and dispute at this time. I need assistance with this creditor. I need proof of validation. 
The name and address of the original creditor The amount of the alleged debt, with an itemized accounting Copies of any documents bearing my signature showing that I agreed to assume this debt. 
Verification that MCM agency is licensed and authorized to collect in my state. 
A copy of any judgement if any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am disputing inaccurate and misleading information on my Experian, Equiafx credit report that does not reflect my true credit history. Under the Fair Credit Reporting Act, I request a full reinvestigation as required by 611 ( a ) [ 15 U.S.C. 1681i ], assurance of maximum possible accuracy under 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], and deletion of any unverifiable items as required by 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX {$470.00} These inaccuracies are not a fair or truthful reflection of my credit history. They are unjustly harming my financial reputation, my ability to qualify for credit, and opportunities for growth. Under FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ], if the disputed information can not be verified after reinvestigation, it must be promptly deleted. I trust that Equifax will fulfil its legal obligations and provide me with a fair and accurate credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am disputing inaccurate and misleading information on my Experian, Equiafx credit report that does not reflect my true credit history. Under the Fair Credit Reporting Act, I request a full reinvestigation as required by 611 ( a ) [ 15 U.S.C. 1681i ], assurance of maximum possible accuracy under 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], and deletion of any unverifiable items as required by 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX {$470.00} These inaccuracies are not a fair or truthful reflection of my credit history. They are unjustly harming my financial reputation, my ability to qualify for credit, and opportunities for growth. Under FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ], if the disputed information can not be verified after reinvestigation, it must be promptly deleted. I trust that Equifax will fulfil its legal obligations and provide me with a fair and accurate credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I am a veteran with a XXXX mortgage loan. In XX/XX/XXXX, I submitted hardship paperwork to Gateway Mortgage for loss mitigation. Due to internal delays, I was required to resubmit the documentation twice. While the review was still pending, my loan was placed into Loss Mitigation Pending Review status in XX/XX/XXXX. Because of this status, the servicers system blocked my ability to make the XX/XX/XXXX payment, despite my intent to remain current. The hardship was ultimately approved at the end of XXXX. 

Gateways own records confirm that my loan was fully current through XX/XX/XXXX. My XX/XX/XXXX mortgage statement explicitly reflects that the account was in Loss Mitigation Pending Review. Furthermore, Gateway subsequently issued correspondence confirming that my loan was service-released on XX/XX/XXXX, which raises further questions as to why delinquency reporting continued under their name. 

Despite these facts, my account has been reported as seven months delinquent. This reporting is both inaccurate and misleading. It fails to account for the servicers role in preventing payment during the mitigation review process and is inconsistent with the Fair Credit Reporting Acts requirement for accurate reporting. It also contradicts VA servicing guidelines, which are designed to protect borrowers from being penalized while undergoing loss mitigation review. 

Adding to this harm, in XX/XX/XXXX I received a formal Notice of Default from Gateway Mortgage demanding {$16000.00} within 30 days and threatening foreclosure and acceleration of the loan balance. This default letter was issued despite the fact that I was in active hardship protection and had remained current through XX/XX/XXXX. The letter demonstrates the severe consequences of Gateways reporting errors : my credit history has been damaged, and I was subjected to foreclosure threats based on inaccurate delinquency claims. 

I respectfully request that my credit history be corrected to remove the reported delinquency during the hardship period and that my loan servicing record reflect that I was not delinquent at the time the hardship request was filed and approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I recently reviewed my TransUnion credit report and discovered that it contains inaccurate personal information that does not belong to me. Specifically : Incorrect name variations are being reported : XXXX, XXXX, XXXX XXXX, XXXX, A XXXX, XXXX, A My correct legal name is XXXX XXXX XXXX XXXX, as verified by my government-issued identification. 

Outdated addresses continue to appear on my file : XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX My correct current address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, verified through supporting documentation ( utility bill, bank statement, and phone bill ). 

Despite submitting a written dispute to TransUnion on XX/XX/year>, along with supporting documents, the bureau has failed to correct or delete these inaccurate items. This violates the Fair Credit Reporting Act ( FCRA ), including : Section 611 ( a ) ( 15 U.S.C. 1681i ) requiring reinvestigation and correction/deletion of disputed information within 30 days. 

Section 607 ( b ) requiring reasonable procedures to assure maximum possible accuracy.

Section 611 ( a ) ( 5 ) ( A ) requiring deletion of unverifiable information.

Their continued reporting of incorrect names and addresses creates a risk of misidentification, denial of credit opportunities, and unnecessary harm to my personal and financial life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I am writing in response to your claim that I owe a debt to Capital One. This letter is a formal request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), for you to provide validation of this alleged debt.

Please provide the following information : The original creditors name and address.

The amount of the alleged debt, including an itemized statement showing how it was calculated.

A copy of the original signed credit agreement or contract.

Proof that you are legally authorized to collect on this debt.

Documentation showing that Capital One has assigned or sold this account to your agency ( if applicable ).

Until you provide the above documentation, you must cease all collection activities, including reporting this account to the credit bureaus. If this debt can not be validated, I request that you immediately remove it from my credit reports and cease further communication regarding this matter. 

Please note that any attempt to collect a debt without proper validation is a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint against Santander Consumer USA because they continue to report my auto loan to the three credit reporting agencies ( XXXX XXXX XXXX XXXX  ) even though I have disputed the accuracy and security of that reporting.

I contacted Santander multiple times and requested : Proof of their legal authority to furnish my personal and account information to these agencies. 

Confirmation of how my personal identifiers are being protected, given that these agencies have a documented history of data breaches and compromises. 

That my account be placed into official dispute status and that reporting be suspended until the matter is resolved. 

Despite being told my request would be escalated to management/legal and that a callback would be arranged, Santander has not provided the requested documentation and has not suspended reporting. I was left on hold, transferred multiple times, and ultimately told that their legal department was closed. 

Santanders failure to respond to my dispute and their continued reporting has caused harm to my credit profile and places me at further risk of identity compromise. 

I am requesting that CFPB require Santander to : Place my account in dispute status immediately. 

Suspend reporting to XXXX XXXX XXXX XXXX while the dispute remains unresolved. 

Provide written documentation of their authority to furnish data tied to my identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/year>, Robinhood restricted my spending account until XX/XX/XXXX for a recent review without prior notice or specific reason. This blocks my XX/XX/XXXX direct deposit and auto-payments for bills due XXXX XXXX ( e.g., XXXX  XXXX XXXX  [ ~ {$4000.00} ], XXXX XXXX  [ ~ {$1800.00} ], XXXX XXXX  [ ~ {$1300.00} ] ), risking NSF fees ( $ XXXX each ), late penalties, and damage to my over ten years perfect credit payment history. On XX/XX/XXXX, XXXX XXXX EDT call, Robinhood confirmed they can not lift the restriction, provide a reason, or expedite, citing identity theft protection with no evidence. This arbitrary, capricious freeze causes undue financial hardship, violating EFTA and CFPB standards for reasonable fund access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
{$300.00} was removed from my cashapp account on XX/XX/year>. I called customers support and they acted clueless as to what was going on. I contacted my bank which cashapp reported the funds had been transferred to and they assured me no transfer was made. Cashapp never reimbursed me and closed my case without looking into this issue. XXXX after they permanently closed my account and would not let me appeal my account in retaliation. In addition, all of my transactions ONLY FROM XX/XX/year> to XX/XX/year> have been deleted. which is odd because cashapp was my only bank at the moment and I used it daily. I have proof from my XXXX XXXX transactions that I was actively still using my cashapp during the dates that cashapp has removed. I believe They removed the transactions to cover up the fraud that was going on. I am willing to submit proof of all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account was added without my consent and must be removed right away. Proof of my claim is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a letter in the mail and them within a week, LVNV Funding was showing as a collection account on my credit report I have never had an account with XXXX XXXX. I am filing this complaint against LVNV Funding, LLC for knowingly and willfully reporting a fraudulent account to the credit bureaus in violation of federal consumer protection laws. 
In XXXX, I disputed an account with XXXX XXXX that was the result of identity theft. That account was successfully removed after investigation. I also have a police report on file verifying the fraud. Despite this, LVNV Funding later purchased this same fraudulent account and is now attempting to collect on it, re-reporting it to my credit file. 
This conduct is a direct violation of multiple consumer protection laws, including : FCRA 605B ( 15 U.S.C. 1681c-2 ) Furnishers are prohibited from reporting information resulting from identity theft once they are notified. I have proof of identity theft via police report. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report accurate information and must investigate disputes. LVNV Funding has failed to do so by knowingly re-reporting an account that was already removed as fraudulent.

FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Reinsertion Law Once information has been deleted after a dispute, it can not be reinserted into a consumers credit file unless the furnisher certifies its accuracy to the credit bureau and the consumer is given written notice within 5 business days. I was never provided any certification or notice. LVNV Fundings re-reporting of this account is an unlawful reinsertion.

FDCPA 807 ( 15 U.S.C. 1692e ) Debt collectors are prohibited from making false or misleading representations. Attempting to collect on an identity theft account is deceptive and unlawful.

FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices. Collecting a debt that does not belong to me constitutes an unfair practice.

LVNV Fundings actions have caused ongoing harm to my creditworthiness, financial opportunities, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation