vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I submitted a formal written request to Self Financial on XX/XX/2025, notifying them of inaccurate credit reporting related to my paid-off Self XXXX XXXX account. I paid the remaining balance in full on XX/XX/2025, yet Self is still reporting a balance as of XX/XX/2025. 

In that written notice, I cited FCRA 623 ( a ) ( 2 ) and requested that they correct the tradeline to reflect a {$0.00} balance across all credit bureaus. I also requested written confirmation and a transmission timeline. Despite this, I have received no response for over a week, and the balance continues to be reported incorrectly. 

This issue is actively harming my credit profile during a mortgage underwriting process, and I am requesting CFPB support in resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
{$1000.00} cashier check, money order Write out to XXXXXXXX XXXX XXXX 
Second problem.... I request to see my checks written against my account.... 
Third.... charges show up.... disappearing.... shows up again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a Discover account that has since been closed and resolved. However, there are multiple late payments still appearing on my credit reports. The reporting is inconsistent across bureaus XXXX shows XXXX, another shows XXXX. Im working toward homeownership and am requesting Discover consider removing all late payments on this closed account as a goodwill gesture. I have no open Discover accounts and want to start fresh. These late marks are preventing me from qualifying for favorable mortgage terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Good Day On XX/XX/year>, I sent a letter of Debt Validation to XXXX Funding. Certified Mail. This was my 3rd DV attempt. They sent back the same information without the supporting documents I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I am writing in response to a communication I received from your agency regarding an alleged debt you claim I owe. I am formally disputing this debt and requesting validation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : The name and address of the original creditor The full amount of the alleged debt, including a breakdown of interest and fees A copy of any judgment ( if applicable ) Verification that I am legally obligated to pay this debt A copy of the original contract or agreement bearing my signature Until you provide these documents, please cease all collection activity and do not report this account to any credit reporting agencies, or, if already reported, mark the account as disputed with the credit bureaus. Be advised that any further attempt to collect this debt without proper validation may violate federal law. If you fail to respond within a reasonable period, I will consider this matter closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/informaton reporing to my credit report. These remarks have been detrimental to my life and credit health! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern at the Consumer Financial Protection Bureau, This is an official dispute and legal demand for the removal of multiple accounts and hard inquiries currently reporting on my credit profile with TransUnion, Experian, and Equifax.

These items have been previously disputed and " verified '' without documentation, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), including 609 ( a ), 611 ( a ), 607 ( b ), 623 ( b ), and 605 ( a ). I am demanding deletion-not reinvestigation. You have failed to validate these accounts with original source documentation such as signed contracts or permissible purpose confirmations. Your continued reporting constitutes willful noncompliance and opens the door for legal action. DISPUTED ACCOUNTS ( TO BE DELETED IMMEDIATELY ) : XXXX XXXX XXXX  - AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} - Status : Charge-Off XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Status : CollectionOrChargeOff XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two entries - Status : CollectionOrChargeOff XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : CollectionOrChargeOff XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : AsAgreed XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : CollectionOrChargeOff- Status : Collection XXXXXXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Status : Charge-Off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: AZ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/informaton reporing to my credit report. These remarks have been detrimental to my life and credit health! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern at the Consumer Financial Protection Bureau, This is an official dispute and legal demand for the removal of multiple accounts and hard inquiries currently reporting on my credit profile with TransUnion, Experian, and Equifax.

These items have been previously disputed and " verified '' without documentation, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), including 609 ( a ), 611 ( a ), 607 ( b ), 623 ( b ), and 605 ( a ). I am demanding deletion-not reinvestigation. You have failed to validate these accounts with original source documentation such as signed contracts or permissible purpose confirmations. Your continued reporting constitutes willful noncompliance and opens the door for legal action. DISPUTED ACCOUNTS ( TO BE DELETED IMMEDIATELY ) : XXXX XXXX XXXX  - AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} - Status : Charge-Off XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Status : CollectionOrChargeOff XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two entries - Status : CollectionOrChargeOff XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : CollectionOrChargeOff XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : AsAgreed XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : CollectionOrChargeOff- Status : Collection XXXXXXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Status : Charge-Off

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section.

15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report. 
15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within 5 days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file. 
15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute. 
Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent. 
Provide me with an updated and corrected copy of my credit report reflecting XXXX accounts within 30 days as required by 15 U.S. Code 1681i. 
Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under XXXX5 U.S. Code 1681n and 1681o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section. 
15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within 5 days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute.

Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent. 
Provide me with an updated and corrected copy of my credit report reflecting XXXX accounts within 30 days as required by 15 U.S. Code 1681i. 
Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiry Dispute under FCRA XXXX I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file, nor did I initiate any applications for credit with them. 

Under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), a consumer reporting agency may not furnish a credit report without a permissible purpose. 

I request that these inquiries be removed from my credit file immediately. 

The unauthorized inquiries are from : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Please remove these unauthorized inquiries from my credit report and provide written confirmation once the process is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-07-13 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a final formal demand for the immediate and permanent removal of fraudulent XXXX Account XXXX XXXXXXXX and the unauthorized credit inquiry made by XXXX XXXX XXXX XXXX on XX/XX/year> from my credit file. 

As I have stated in prior disputes, XXXX Account XXXX XXXXXXXX is the result of identity theft. I have submitted : A letter from XXXXXXXX XXXX and FTC Identity Theft Affidavit Government-issued identification ( with proof of new residency ) A letter from my attorney, who is actively pursuing the removal of this fraudulent account Despite this, TransUnion continues to report the account as accurate, while XXXX XXXX XXXX  have both removed it. Your continued reporting of this account is a violation of federal law.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 I have properly identified the account as fraudulent and submitted all documentation required under this law. You are legally obligated to block and remove it.

FCRA, 15 U.S.C. 1681i ( a ) TransUnion has failed to conduct a reasonable reinvestigation of my dispute and continues to report inaccurate, harmful information despite clear proof of identity theft.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Continued reporting of a known fraudulent account places TransUnion at risk of legal exposure for willful disregard of federal identity theft protections.

FCRA, 15 U.S.C. 1681b ( c ) The inquiry by XXXX XXXX XXXX XXXX on XX/XX/year> was made without my authorization and must also be removed. This was not initiated by me and appears to be linked to the same fraudulent activity.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
The company reported false information to the credit bureaus, attempting to collect a debt with proper documentation and/or Proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I mail a cashier check/money orders for a {$1000.00} dollars to Capital One Bank XXXX for a secured credit cardXXXX 
Capital One Bank is sayingXXXX cashier check/money order was for {$790.00} dollarsXXXX Capital OneXXXX on board XX/XX/year> at XXXXXXXX  number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/year> Subject : Mishandling of Fire Insurance Proceeds and Escrow Account Shellpoint Mortgage To Whom It May Concern, I am writing to formally report serious concerns regarding Shellpoint Mortgage Servicings handling of my mortgage account following the loss of my property due to a XXXX XXXX XXXXXXXX, XXXX XXXX, California. 
Despite receiving an insurance settlement for the fire damage from the California Fair Plan during the period of XXXX to XX/XX/year>, Shellpoint has either delayed or refused to release the funds necessary for reconstruction. I have made multiple documented requests and provided all required paperwork, but the disbursement process remains stalled. This has caused significant hardship and delayed rebuilding efforts. 
Attempts to resolve these matters through customer service have resulted in conflicting responses, excessive hold times, and, in some cases, no follow-up. 
I request immediate investigation and corrective action, including : Release of withheld insurance proceeds to the contractor or escrow Audit of my escrow account Refund of any improper charges Assurance that future insurance disbursements will be handled in accordance with California law Please confirm receipt of this complaint. I am prepared to escalate further if no resolution is reached. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
I was a victim of identity theft in XXXX. While preparing to purchase a home, an unauthorized XXXX account appeared on my credit report. I contacted XXXX immediately, and they offered a pay-for-deletion resolution. Relying on their verbal assurance, I paid the account in full. However, the account was never removed. 

XXXX has since reinserted the account multiple times, changed the open date, altered the payment history, and continued reporting it inaccurately without proper notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) and FCRA 623 ( a ) ( 5 ). 

I have submitted disputes with all three credit bureaus, provided proof of identity theft and police reports, and yet XXXX continues to verify this account as accurate without proper reinvestigation, violating FCRA 1681i, 1681s-2, and 1681n.

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