vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I request that : The fraudulent XXXX account be removed in full from my credit reports at Experian, TransUnion, and Equifax under my rights provided by FCRA Section 605B.

If Discover maintains that this account is valid, they must immediately provide documentary proof of authorization in compliance with FCRA Section 609. If they can not, the account must be deleted.

The credit bureaus conduct a reasonable reinvestigation as required by FCRA Section 611, not a superficial verification process. 

If these violations are not corrected, I will have no choice but to explore my legal remedies under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which allow consumers to pursue civil action and statutory damages for willful noncompliance.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing this account due to the TransUnion data breach. I my data was compromised and I did not authorize it. Please remove the inaccurate information

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
XXXX XXXX sold our loan to a company in Colorado called Speciality Servicing Loan. We received XXXX letter stating that they now have our loan. XXXX and half years go by and we receive a foreclosure letter. Never missed a payment. My husband paid thru XXXX XXXX. They waited XXXX and a half years to tell us that we werent making the correct monthly payments. My husband was making the monthly payment that was listed in the letter we received. I had to hire a attorney which was horrible to help us save our home. I had to file bankruptcy in order to keep our home. Now our mortgage has been sold again. It seems like it should be against the law to wait XXXX years to tell someone that they werent making the correct payments. They did this in person thinking they could steal our home from us. I dont understand how this happened to us can you help?

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 2025-09-07 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: OR

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian states it verified a public record ( Bankruptcy ) from XXXX ( XXXX  also uses XXXX. I contacted XXXX and after reinvestigation they deleted Bankruptcy from their data bank. XXXX  and XXXX  deleted Bankruptcy from my credit report. Experian has not.! Experian has not verified any Bankruptcy!! Under threat of perjury I want Experian to state they verified a Bankruptcy showing their method of verification. ( Person they talked to, date, time, phone number, and company address. ) Experian is violating my rights under FCRA. And with multiple data breaches this misinformation needs to be removed as it is not accurate. It is causing me reputational harm, emotional distress, and adverse credit consequences. I have been denied employment after clearing all requirements because Experian reported a Bankruptcy which was NOT verified. I demand the immediate removal of the Bankruptcy and compensation for the damages. If Experian chooses not to provide the above requested deletion, I will pursue the enforcement of my constitutional rights via federal court proceedings. As Experian is aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and formally request a jury trial and compensation for the FCRA violations. Enclosed are exhibits from XXXX and Bankruptcy Court.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I mailed a certified dispute letter to Experian regarding an inaccurate XXXX XXXX collection account that is being reported by XXXX XXXX XXXX for {$210.00}. According to USPS tracking ( certified mail # XXXX ), Experian received this letter on XX/XX/year>, at XXXX XXXX  in XXXX, TX. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and respond within 30 days of receipt. As of today, XX/XX/year> more than 40 days later I have not received any response or results of their investigation. 

To make matters worse, on XX/XX/year>, Experian updated my credit report and continued reporting this XXXX XXXX XXXX XXXX collection with a {$210.00} balance. This shows Experian is updating the account but ignoring my dispute. 

I am requesting that the CFPB ensure Experian complies with the FCRA by either : Providing proper verification of this disputed account, or Removing the XXXX XXXX XXXX XXXX collection account from my credit report immediately, since the 30-day response period has expired. 

I have attached proof of certified mail delivery showing Experian received my dispute on XX/XX/year>.

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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Ive been contacted multiple times since XX/XX/year> from Midland credit management about a debt of XXXXXXXX XXXX XXXX  XXXX has told me that the debt has been handled and I owe them XXXX but XXXX XXXX  now has called me a year later requesting this information that they have the debt and they need the money I reached out to XXXX XXXX they then again verify that I do not owe the money to them, and I do not owe any money on our account as it was a fraudulent card open in my name which I provided them with documentation, and they relieved me of my debt which they then sold to this Midland who I try fixing it sent them the same documentation that the bank sent me and they rejected it but never notified me of the rejection now its been eight months and theyre calling me again trying to collect the debt. Im just confused. They have no answers and Im wondering what to do next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
i was looking through all of my consumer reports and saw multiple cases of identity theft. i contacted the companies noted and got no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report doesn't look right. 
Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: WA

Complaint narrative:
I received a piece of mail under my first and last name and address. I opened this mail. 
It was from a The third-party debt collector in regards to a progressive accident claim. 
I am not the individual listed on the debt or accident. They have me mixed me up with another individual. Who shares the same exact first and last name. There is no clarification of a middle name or date of birth to see who is identified. 
They have threatened on the letter to have license, revoked and suspended if not settling on claim payment. 
But they do not have the identity of the correct individual on this accident. 
I am not the person they are looking for and I am not the person who had this accident. 
My wife called to ask the VIN number so we can inform the department of licensing of an identity mixup. The progressive insurance officer would not provide the VIN number and told us to talk to somebody else. Obviously this is concerning as they have the identity of an individual mixed up between me and someone else. Especially my personal address is on this notice. 
So due diligence wasnt a priority when conducting research on who this person was. 
Nobody seemed to fact, check date of birth middle names. I opened someones mail as a result of this third partys negligence of addressing accurate information being sent.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a follow-up to my earlier dispute concerning several accounts that remain inaccurately reported on my credit file. Despite my previous request, these entries continue to show errors or incomplete details, violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX XXXX XXXX XXXX is showing a reported balance of {$970000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with a {$0.00} balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reflects {$2600.00}, and XXXX XXXX XXXX * XXXX XXXX XXXX is listed with {$1900.00}. These reports remain inconsistent and unreliable. Under FCRA 607 ( b ), you must ensure maximum possible accuracy; under FCRA 623 ( a ) ( 2 ), furnishers must correct and update inaccurate information ; and under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation upon notice of dispute. By continuing to report these items inaccurately, you are in violation of these statutory obligations.

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 2025-09-08 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: TX

Complaint narrative:
Formal Dispute and Request for Reinvestigation Account Number : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information regarding the above-referenced account and to request a thorough reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

DISPUTE DETAILS : I dispute the accuracy and completeness of the information being reported on this account for the following reasons : Account balance is inaccurate Payment history contains errors Account status is incorrectly reported Dates of delinquency are wrong Account was not properly validated LEGAL BASIS FOR DISPUTE : Under the FCRA 611, you are required to conduct a reasonable reinvestigation of disputed information. The account information appears to contain inaccuracies that violate my rights under federal law.

REQUESTED ACTIONS : Immediate Investigation : Conduct a thorough reinvestigation of this account within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ).

Verification of Debt : Provide complete documentation validating this debt, including : Original signed agreement Complete payment history Chain of custody documentation Legal authority to collect Correction or Deletion : If the information can not be verified as completely accurate, delete all references to this account from my credit reports immediately.

Notification : Provide written confirmation of any corrections made to credit reporting agencies.

NOTICE OF RIGHTS : Please be advised that under the FCRA 616 and 617, failure to comply with reinvestigation requirements may result in liability for actual damages, attorney fees, and statutory damages up to {$1000.00}.

I request that you : Cease all collection activities until proper validation is provided Provide written confirmation of receipt of this dispute Complete your investigation within the statutory timeframe Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Formal Dispute and Request for Reinvestigation Account Number : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information regarding the above-referenced account and to request a thorough reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

DISPUTE DETAILS : I dispute the accuracy and completeness of the information being reported on this account for the following reasons : Account balance is inaccurate Payment history contains errors Account status is incorrectly reported Dates of delinquency are wrong Account was not properly validated LEGAL BASIS FOR DISPUTE : Under the FCRA 611, you are required to conduct a reasonable reinvestigation of disputed information. The account information appears to contain inaccuracies that violate my rights under federal law.

REQUESTED ACTIONS : Immediate Investigation : Conduct a thorough reinvestigation of this account within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ).

Verification of Debt : Provide complete documentation validating this debt, including : Original signed agreement Complete payment history Chain of custody documentation Legal authority to collect Correction or Deletion : If the information can not be verified as completely accurate, delete all references to this account from my credit reports immediately.

Notification : Provide written confirmation of any corrections made to credit reporting agencies.

NOTICE OF RIGHTS : Please be advised that under the FCRA 616 and 617, failure to comply with reinvestigation requirements may result in liability for actual damages, attorney fees, and statutory damages up to {$1000.00}.

I request that you : Cease all collection activities until proper validation is provided Provide written confirmation of receipt of this dispute Complete your investigation within the statutory timeframe Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Discovery Auto Sales LLC
State: TX

Complaint narrative:
Ive tried numerous times to get ZUES FINANCIAL TO FIX THE ERRORS ON MY CREDIT REPORT WITH XXXX. THEY FAIL TO DO SO. MY account was surrendered back on XX/XX/XXXX with A XXXX BALANCE. They constantly report random numbers leading up to this year when they finally report the correct amount of XXXX $ but on month XX/XX/XXXX they reported 120 days late which is incorrect! I can not be late when there is a XXXX dollar balance as of XX/XX/XXXX and previous months dictate surrendered since XX/XX/XXXX with no late payments! I demand ZEUS remove the XXXX late payment reflecting on my XXXX REPORT ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been in a dispute with Capital One regarding a reimbursement since early XX/XX/year>. Their sales representative mistakenly disputed a payment I made to another financial company. Because of this error, I had to repay that credit, explain the situation to them, and I incurred a {$100.00} late fee, which negatively impacted my credit score.

Capital One has been unresponsive, giving my husband and me the runaround. We've been repeatedly told that the issue would be escalated and that we would receive emails and letters confirming their acknowledgment of the mistake, yet nothing has been resolved. It feels like they are avoiding taking responsibility for submitting the incorrect dispute. I've been informed several times that the situation has surpassed their turnaround time, yet it remains unresolved. This company not only disputed the wrong transaction but also affected my credit score, causing me a loss of {$120.00} instead of a {$25.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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 formally request the deletion of accounts and personal data associated with my credit file that may have been compromised in the recent TransUnion data breach disclosed on or around XX/XX/year>. According to public reports, this breach exposed sensitive personal information including names, dates of birth, and Social Security numbers of over 4.4 million individuals. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete any information that can not be verified following a consumer dispute. Given the nature of this breach and the potential for fraudulent activity, I am disputing the accuracy and legitimacy of any accounts opened or modified during or after the breach period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I formally request the deletion of accounts and personal data associated with my credit file that may have been compromised in the recent TransUnion data breach disclosed on or around XX/XX/year>. According to public reports, this breach exposed sensitive personal information including names, dates of birth, and Social Security numbers of over 4.4 million individuals. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete any information that can not be verified following a consumer dispute. Given the nature of this breach and the potential for fraudulent activity, I am disputing the accuracy and legitimacy of any accounts opened or modified during or after the breach period.

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 2025-09-08 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:
Hi, pls remve the unauthrized items on my report as a victim of identity theft. Clear thm off in ordr to fix my credit report.

Company response to consumer: Closed with non-monetary relief