vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To resolve this matter fairly and lawfully under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Immediate deletion of all inaccurate late payments reported for the following accounts : XXXX Account # : XXXX XXXX BANK Account XXXX : XXXX A full reinvestigation under FCRA XXXX ( a ), requiring the furnishers to produce documented proof that they sent prior notice of upcoming due dates and payment defaults. This includes email alerts, mailed statements, or any dated correspondence. 

If the creditors can not verify that notice was sent before the delinquency was reported, these late payments must be permanently deleted under : FCRA XXXX ( b ) ( requirement for accuracy and completeness ), and FCRA XXXX ( a ) ( XXXX ) ( A ) ( duty of furnishers to report fairly ). 

A corrected copy of my credit report showing the deletions, along with written confirmation of the results of the reinvestigation, must be provided within XXXX business days. 

If this resolution is not met, I will continue to escalate the matter to : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Attorney General of my state and yours I also reserve the right to pursue legal action under FCRA XXXX, which provides for up to {$1000.00} per violation, plus damages and attorneys fees. 

This is not a request for special treatment only for a lawful and fair correction of inaccurate data on my consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Final Demand for Immediate Deletion Account # XXXX {$360.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX, XXXX, XXXX, and 15 U.S.C. XXXX. 

I previously requested full and complete validation of the following account : Credit Collection Services Account # XXXX {$360.00} Collection To date, you have failed to provide the legally required documentation. Let me be clear : A bill is NOT validation. A simple account statement or balance due notice does not meet the legal standard of debt validation under federal law. 
You are currently reporting this account to the credit bureaus without proper legal proof. This is a willful violation of federal consumer law and is causing continued and unjustified harm to my credit profile. 

I now demand the immediate production of the following : A copy of the original signed contract ( with my wet signature ) A complete billing and payment history for the alleged account A flow sheet showing the full chain of assignment from the original creditor to your agency A binding purchase agreement or legal contract confirming ownership Proof of your active debt collection license in the State of Illinois Do not respond with a generic " verified '' notice unless all of the above items are included. Without this documentation, you are in violation of 15 U.S.C. XXXX ( b ) and 15 U.S.C. XXXX ( a ). 
If you are unable or unwilling to validate this debt legally, you must : Immediately delete this account from all XXXX credit bureaus ( XXXX XXXX and XXXX ) Cease all collection and reporting activities Failure to comply within XXXX calendar days from the date above will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance submitted to the Illinois Attorney Generals Office Civil litigation under 15 U.S.C. XXXX and XXXX for statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One on XX/XX/XXXX to ask to provide proof of the late payment on my credit report. A manger got involved and said the late payment is to far in the past and they do not have access to remove it. Upon deeper investigation into my credit file, I noticed my entire payment history from XXXX has been reported inaccurately. They claim I have a scheduled payment but I do not. For the last 2 years I have paid my bill multiple times duin each month, that is why i am not scheduled for autopay, as Capital One suggested. I pulled my bank statements from XX/XX/XXXX to present, none of the payments reported match up. I would like this late/past due payment deleted from my credit file as soon as possible. I can provide my bank statementas as well if you need to proof of my payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. Please remove this fraudulent report as it is affecting 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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Central Portfolio Control , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Update address if different on report ) RE : Final Demand for Immediate Deletion Account # XXXX {$17000.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX, XXXX, XXXX, and 15 U.S.C. XXXX. 

I previously requested full and complete validation of the following account : Central Portfolio Control Account # XXXX {$17000.00} Collection To date, you have failed to provide the documentation required by law. This includes, but is not limited to, the original signed contract, a complete billing history, and proof of ownership and legal authority to collect on and report this debt. 

You are reporting this alleged account to the credit bureaus without proper legal validation, and that is a direct and willful violation of federal consumer protection laws. 

I am now demanding the immediate production of the following documents : A copy of the original signed contract ( bearing my wet signature ) A complete billing and payment history A flow sheet detailing the chain of assignment from the original creditor to your company A binding agreement or purchase contract proving your legal ownership Proof of active debt collection licensing in the State of Illinois Do not send me a generic response stating this account is verified. That is not validation under the law. You must provide the actual documentation requested above. 
If you are unable or unwilling to provide these documents, you are required to : Immediately delete this account from all credit bureaus : XXXX XXXX and XXXX  Cease all collection and reporting activity on this alleged debt Failure to comply within XXXX calendar days of this notice will result in the following actions : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance submitted to the Illinois Attorney Generals Office Civil litigation under 15 U.S.C. XXXX and XXXX, seeking maximum statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I FILED A DISPUTE WITH AMERICAN EXPRESS IN XXXX XXXX  XXXX. THIS IS AFTER I HAVE FILED MULTIPLE DISPUTES THROUGH OUT THE YEAR AND THEY WERE DENIED AND RE APPLIED TO MY BALANCE. IN XX/XX/XXXX I LOST ACCESS TO MY XXXX ACCOUNT IT WAS HACKED. SOMEONE MADE CHARGES IN THE AMOUNT OF XXXX. I HAVE CANCELLED CARDS, TRIED TO BLOCK THE MERCHANT ALL OF WHICH AMERICAN EXPRESS DID NOT DO AFTER ASKED 3 TIMES. THE DISPUTE IN XXXX THEN BOUNCED MY DEPARTMENT TO DEPARTMENT DUE TO THE AGENT NOT FILING IT CORRECTLY AND XXXX EVENTUALLY CLOSED OUT IN XXXXXXXX XXXX  XXXX. I THEN REOPENED THIS DISPUTE. CALLED ONCE A WEEK FOR MONTHS AS I WAS BEING TOLD THEY WERE ACTIVELY WORKING ON THE DISPUTE. THEY HAVE ADDED THE BALANCE BACK TO MY ACCOUNT IN XXXX AND HAVE BEEN CHARGING ME INTEREST ON THIS AMOUNT THEY STATED WAS BEING DISPUTED MONTHLY. IN XXXX I WAS TOLD BY AN AGENT THAT THE CASE WAS NEVER REOPENED BACK IN XXXX THAT THE OTHER AGENT I SPOKE WITH MONTHLY MUST HAVE BEEN CONFUSED TO ALL THE NOTES. SO ESSENTIALLY I HAVE BEEN LIED TO FOR MONTHS. I WAS THEN TOLD TO MAKE POLICE REPORT AND THEY WOULD REOPEN THAT DISPUTE. THIS WAS DONE IN XXXXXXXX XXXX XXXXXXXX. CASE IS STILL EBING WORKED HOWEVER THE DISPUTED AMOUNT HAS NOT BEEN CREDITED BACK TO MY ACCOUNT FOR DURATION OF DISPUTE ALLOWING AMERICAN EXPRESS TO CONTINUE TO CHARGE ME INTEREST. I AM GETTING NO ANSWERS FROM THIS COMPANY. I WAS TOLD BY TWO AGENTS NOT TO MAKE MY PAYMENTS ON THE CARD UNTIL DISPUTE WAS SETTLED. THIS IS ON RECORDING. NOW IM GETTING THREATS FROM THE COMPANY. THEY HAVE SUSPENDED USE OF ALL MY OTHER CARDS., I WANT THIS CORRECTED IMMEDIATELY. WHAT THEY HAVE DONE IS NOT ONLY UNETHICAL BUT UNFAIR TO THE CUSTOMER WHO HAS SUBMITTED PLENTY OF PROOF THESE CHARES WERE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I was approved by PenFed for their XXXX program on account ending in XXXX. According to their own policy, approved skips should not result in late payment reporting. Despite this, PenFed reported my XXXX payment as XXXX  days late, which has negatively impacted my credit. My previous goodwill request was denied, and this reporting contradicts their publicly stated policy. I am requesting the CFPB assist with removing this inaccurate mark.

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 2025-07-20 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:
b'Credit Report Dispute  Account XXXX XXXXDear [Equifax/Experian/XXXX XXXX am writing to formally dispute the information being reported on my credit report regarding an account with XXXX (Account XXXX).\n\nThere are several inaccuracies or inconsistencies with this account, including:\n\t1.\tThe account is marked as Paid, Closed but also lists Repossession XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX These statuses are contradictory and should be clarified or corrected.\n\t2.\tThe reported closure date is XXXX XXXX which is a future date and raises concerns about the accuracy or timeliness of this entry.\n\t3.\tThe payment history contains gaps (XXXX XXXX  ) which reflect incomplete or missing data.\n\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that this account be fully investigated and verified. If the reported information cannot be fully validated and corrected, I respectfully request that it be removed from my credit report.\n\nPlease complete the investigation within the XXXXday time frame as required by the FCRA, and send me a written response regarding the outcome.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Debt Collector for Failure to Send Notice of Debt Dear CFPB, I am writing to file a complaint against [ Debt Collector 's Name ], whom I believe has violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide me with a notice of debt within the required five days after initial contact. 

On XXXX, I was contacted by XXXX XXXX regarding a debt they claim I owe. According to the FDCPA, they are required to send a written notice detailing the amount of the debt, the name of the creditor, and my rights concerning the debt within five days of their initial communication. As of today, [ Date ], I have not received any such notice.

I kindly ask that you investigate this matter and take appropriate action. Please let me know if you require any further information from my end. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX appears to have engaged in prohibited dual tracking in violation of RESPA ( 12 CFR 1024.41 ). While I was actively under review for loss mitigation assistanceincluding verbal discussions regarding a Standalone Partial Claim on XX/XX/XXXX, XXXX simultaneously continued collection and foreclosure-related activities. These included : - Charging late fees and NSF fees- Sending a mortgage activity statement demanding a lump-sum payment of {$26000.00} - Issuing a denial letter ( dated XX/XX/year> ) for all retention options, despite receipt of updated information - Reporting continued delinquency and threatening credit consequences even after accepting a full scheduled payment on XX/XX/year> This pattern of activity suggests XXXX pursued foreclosure-related enforcement while also communicating that my loss mitigation application was under consideration, constituting dual tracking in violation of federal mortgage servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Second Notice Failure to Resolve Inaccurate Late Payment Reporting ( Complaint Filed with CFPB ) Dear Transunion Dispute Department, Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account XXXX in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Why Youre in Violation : Let me be direct : I was never notified about the upcoming due date or about a late payment from this creditor. They never gave me a chance to correct or resolve the issue before reporting it to the credit bureaus. Thats not just unethical its illegal under the Fair Credit Reporting Act ( FCRA ).

Youre now in violation of multiple sections of federal law : FCRA 1681e ( b ) You're legally required to maintain accurate and complete credit data.

Reporting a late payment that I had no fair chance to address is neither accurate nor complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) The furnisher ( creditor ) is required to report responsibly and fairly. If they didnt notify me prior to reporting me late, then they violated this duty.

FCRA 1681i ( a ) I exercised my right to dispute this error. If the creditor can not verify that notice was provided, then you are legally obligated to delete this entry.

Despite raising this concern already, you failed to properly investigate or fix it. Ive now taken the step to report this mishandling to the CFPB, and I will not hesitate to escalate this through further regulatory or legal channels.

Heres What Im Demanding : Immediately reinvestigate this late payment.

Require the creditor to prove they sent proper notice dated reminders, letters, or email communications before the late mark was reported.

If they can not prove it, delete this late payment permanently from my report.

Send me written confirmation of the deletion and an updated copy of my credit file within 15 business days.

If this isnt resolved, I will move forward with additional complaints to the FTC, state Attorney General, and if necessary, file legal claims under FCRA 616, which provides for up to {$1000.00} per violation, plus any actual damages and legal costs.

Im not asking for anything unreasonable Im demanding fair treatment under the law and an accurate credit report, nothing less.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To fully resolve this matter, I am requesting the following actions be taken by Experian and the data furnishers : Permanent deletion of the inaccurate late payments associated with the following accounts : XXXX CARD Account Number : XXXX XXXX Account Number : XXXX A formal reinvestigation in compliance with FCRA 1681i ( a ), including a request for verification from the furnishers of credit data that : They issued timely notice to me of any due dates or upcoming late payments. 

They provided dated documentation ( emails, letters, billing notices ) showing they informed me prior to reporting the delinquency. 

If the furnishers fail to verify that such notices were sent, then under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), XXXX must : Immediately remove the late payment entries from my credit report. 

Send a revised and corrected copy of my credit file to me. 

I request that all results and documentation from this investigation be provided to me in writing within 15 business days of receipt of this notice. 

Failure to resolve this will result in further action, including additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Attorney General, as well as potential legal claims for damages under FCRA 616.

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 2025-07-20 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:
XX/XX/XXXXEquifax Information Services LLCXX/XX/XXXXExperian\XX/XX/XXXXTransUnion Consumer SolutionsXX/XX/XXXXRE: Cease and Desist Demand for Reporting Inaccurate and Fraudulent Information\n\nTo Whom It May Concern,\n\nThis letter serves as my formal demand, pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  XX/XX/XXXXand the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C.  XX/XX/XXXX, that you immediately cease and desist from reporting, furnishing, or otherwise sharing any inaccurate, unverifiable, or fraudulent information related to the following accounts that appear on my credit report:XX/XX/XXXXThese accounts are either the result of identity theft, were reported in error, or are otherwise inaccurate. I have previously disputed these items and have provided sufficient evidence to demonstrate they do not belong on my credit file. Continuing to report these accounts violates my rights under the FCRA, which mandates accurate and verifiable reporting of consumer information.\n\nSpecifically, under FCRA SectionXX/XX/XXXXB (15 U.S.C.XX/XX/XXXX, you are required to block information resulting from identity theft upon request. Additionally, under Section XX/XX/XXXXand XX/XX/XXXX of the FCRA, I have the right to request verification and demand deletion of unverifiable information.\n\nI hereby demand:\n\t1.\tImmediate removal of the above-listed accounts from my credit file.\n\t2.\tWritten confirmation that these items have been removed and will no longer be reported to third parties.\n\t3.\tCease and desist from any further reporting or furnishing of these inaccurate or fraudulent accounts.\n\nFailure to comply with this request may result in my pursuing legal remedies available to me, including but not limited to statutory damages, attorneys fees, and injunctive relief under federal law.\n\nThank you for your immediate attention to this matter.\n\nSincerely,XX/XX/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 explanation