vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am submitting this dispute regarding multiple accounts on my credit report that contain inaccurate, incomplete, or misleading information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be DELETED FROM MY CREDIT REPORT. 

The accounts in question are as follows : Creditor Account # ( last 4 digits ) Reported Status Claimed Balance Discrepancy / Inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged Off {$5700.00} Balance {$5700.00}, XXXX XXXX {$5200.00}, Highest Balance {$8900.00} Payment history shows inconsistent late days ( e.g., XX/XX/year> CO, XXXX, XX/XX/XXXX, etc. ) and multiple status updates that do not align with accurate reporting standards. 
XXXX XXXX XXXX Charged Off {$2300.00} Balance {$2300.00}, Credit Limit {$1700.00}, Highest Balance {$2300.00} Payment history is inconsistent ; reported past due and CO statuses are unclear and potentially inaccurate. 
XXXXXXXX XXXX XXXXXXXX Charged Off {$2800.00} Balance {$0.00}, Credit Limit {$2500.00}, Highest Balance {$2800.00} Reported balances and payment history conflicts with prior account statements and do not reflect accurate reporting. 
XXXX XXXX XXXX Charged Off {$7300.00} Balance {$7300.00}, Credit Limit {$6000.00}, Highest Balance {$7300.00} Multiple inconsistencies in CO reporting and date of past due amounts. 
XXXX XXXX XXXX ( two accounts ) Charged Off {$4500.00} and {$12000.00} Balances {$4500.00} / {$12000.00}, Credit Limits {$3600.00} / N/A Payment histories are inconsistent and inaccurately reported ; balances and status updates are conflicting. 
XXXX XXXX XXXX Charged Off {$880.00} Balance {$840.00}, Credit Limit {$6000.00}, Highest Balance {$3600.00} Reported balance and past due amounts do not align with original account records.

Reasons for Dispute : Inaccurate balances : Many accounts show balances that differ from verified account statements, including discrepancies in the amount written off vs. reported balance. 

Incorrect account status reporting : Payment history entries such as CO, 30, 60, etc., appear inconsistently and do not reflect accurate delinquency timelines.

Duplicate or conflicting entries : Two accounts with XXXX have overlapping account numbers and inconsistent reporting. 

Potential misreporting of dates : Status updates and last reported dates do not align with my actual account history, violating FCRA requirements for accurate reporting. 

Requested Action : I request that the Consumer Financial Protection Bureau investigate these accounts with the respective creditors and credit reporting agencies. And demand that the accounts be deleted from my credit report immediately.

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 2025-09-18 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: NC

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX hours ago ) to customerservice I am writing regarding your attempts to collect an alleged debt from me. Please be advised that under XXXX law, a debt collection agency must be properly licensed to operate in this state. After checking with the XXXX  State Department of Financial Regulation / Licensing Board, I have confirmed that XXXX XXXX, XXXX is not licensed to collect debts in Florida. 



Accordingly, your collection activities directed toward me are unlawful and in violation of both : XXXX  State Statute or Code Section which requires debt collectors to obtain and maintain a valid state license before attempting to collect. 
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting legal authorization to collect. 




Therefore, I demand that you : Cease and desist all collection activities related to this alleged debt immediately. 
Provide written confirmation that no further contact will be made. 
Remove any negative reporting you may have made to credit reporting agencies regarding this alleged debt. 




Be advised that continued collection activity, including phone calls, letters, or credit reporting, will be documented and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the [ Your State Attorney Generals Office ]. 



This letter is not to be construed as an acknowledgment of liability for the alleged debt, nor a refusal to pay, but rather a notice that your actions are illegal and unauthorized in my state. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt XXXX  CREDIT CARD Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt CREDIT CARD 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 2025-09-18 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:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt XXXX  CREDIT CARD Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt CREDIT CARD 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Inaccurate Capital One Account Reporting Across All Bureaus Body : I am disputing the Capital One account [ ending in account XXXX ] appearing on my XXXX XXXX XXXX XXXX reports. Capital One is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
b"Hello,\n\nI was contacted by text messages by Credence Resource Management LLC in many occasions, from XXXX XXXX troughout XXXX (7 times) that I owe to XXXX $XXXX . I called them and said that I don't have anything to do with the XXXX  account because I am with XXXX for many years. I asked them to stop sending me text messages and making phone calls.  \nAs of this morning, XXXX, my XXXX, XXXX  and XXXX  was showing that I have a charge of from XXXX Debit Collection Agency:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called them right away and spoke with the agent named XXXX. Conversation was recorded by me. \n\nThe agent refused to remove the debt, even though my address didn't match with what he had on file. He told me that I will have to go through the paperwork process he sends me by e-mail. As well as I will have to  go to the police to write a report. I said okay. \n\nHe told me that someone used my NAME and my SOCIAL SECURITY to create an account with XXXX. Even though I asked him to tell me my Social Security a few times, he didn't.  \n\nThis is the information he provided me with:\n\n1. The XXXX account was opened on XXXX  .\n2. The XXXX  account was closed on XXXX XXXX\n3. The phone number for the person opened the XXXX account XXXX XXXX4. The balance on the account is $XXXXXXXX5. The address of the account holderXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against PHH Mortgage regarding their handling of my insurance loss draft funds. I live at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and after my home was declared a complete loss, insurance proceeds were issued for the purpose of rebuilding. These funds are rightfully mine, but PHH Mortgage, through their Loss Draft department at XXXX XXXX XXXX, XXXX, XXXX XXXX, has been refusing to release them in full. 

Instead of allowing me and my builder to access the money needed to continue construction, PHH has chosen to ration out very small portions of the funds little by little. This process is severely delaying the rebuilding of my home, leaving me in an unstable living situation and causing frustration for my builder, who is unable to move forward at the necessary pace. 

I have dealt directly with a woman named XXXX, who identified herself as a supervisor in PHHs Loss Draft Protection department. Despite my repeated requests for the release of the remaining funds, she has continued to withhold them, offering only partial disbursements that are not enough to make progress. PHHs actions feel unfair and abusive, as they are interfering with my ability to rebuild my home in a timely and reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00}

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 2025-09-18 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: LA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00}

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 non-monetary relief
Consumer complaint received 2025-09-18 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 extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-09-18 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief