vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The company is reporting an account with an incorrect date of first delinquency, which constitutes illegal re-aging. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), it is illegal to misrepresent the legal status of a debt.

In Texas, the Texas Debt Collection Act ( Finance Code 392 ) prohibits deceptive or misleading collection practices, and the Texas Civil Practice & Remedies Code 16.004 limits lawsuits on consumer debt to 4 years.

By changing or misrepresenting the delinquency date, this company is attempting to extend the reporting period and create the false impression that the debt is still enforceable.

Requested Resolution : Correct or remove the inaccurate account from my credit report.

Ensure that this account is reported, if at all, with the correct original delinquency date. 
Confirm compliance in writing. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and derogatory information reporting on my credit files with Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under FCRA Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), all information reported must be accurate, complete, and verifiable. The following accounts, late payments, and inquiries contain errors, inconsistencies, or unverifiable reporting and must be permanently deleted or corrected.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NC

Complaint narrative:
To Whom It May Concern, I am writing regarding the referenced account that is currently reporting on my credit file as a collection. According to my records, this account has been paid in full, and the balance now reflects {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is incomplete, inaccurate, or outdated. Reporting a paid collection as an outstanding derogatory item is both misleading and unnecessarily damaging to my credit profile. 

Since this account no longer has an outstanding balance and has been resolved, I respectfully request that you remove this collection account from all credit bureaus ( XXXX XXXX XXXX XXXX ). 

Please provide me with written confirmation once this deletion has been processed. If you are unable to comply, please provide documentation verifying why this account continues to report as a negative item despite being satisfied in full. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I Received notification Alert XXXX Report That AMSHER COLLECTION SE Attempt {$260.00} I wasn't Never Called, Text, Emailed About Such Debt Neither by Mail Postage I believe they Are Violation Want Them removed it I don't consent My personal information giving Collection due they need show themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : COLLECTION ACCOUNTS : 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 explanation
Consumer complaint received 2025-09-04 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Yes chime going to close my account for no reason they say i didn't follow they rule wish I follow every rule

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is regarding a fraudulent account reported under my credit profile. I did not authorize, open, or use this account, and I have no association with it. Its continued reporting is false, harmful, and negatively affects my creditworthiness and financial reputation.

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 2025-09-04 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit XXXX, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-09-04 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-04 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: CA

Complaint narrative:
I am formally disputing the late payment reported on my credit report. This information is inaccurate, as my records confirm all payments were made on time. Such errors are unfair and damaging.

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 2025-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One {$760.00} Date XXXX XXXXXX/XX/XXXX Date fraud began XX/XX/XXXX Capital One {$3000.00} Date discrovered XX/XX/XXXX Date fraud began XX/XX/XXXX Chapter XXXX Bankruptcy Date discrovered XX/XX/XXXX Date fraud began ( not sure ) XXXX  {$19000.00} Date discovered XX/XX/XXXX Date fraud began XX/XX/XXXX Capital One {$35000.00} Date discovered XX/XX/XXXX Date fraud began XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CO

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
XXXXm seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, one account is incorrectly labeled delinquentit needs to be disputed and updated to show XXXX late payments.

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 2025-09-04 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: OH

Complaint narrative:
i recently acquire a copy of my credit report, upon reviewing my credit report i notice there is a fraudulent account on my credit report. please remove this from my credit report is hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Issue : Account closure funds not returned Complaint : Capital One closed my account ending in XXXX on XX/XX/year>. I am not disputing the account closure. My issue is that Capital One has failed to return the remaining balance in my account. 

I have filed complaints before, but Capital One continues to respond only with a generic letter about account closure, without addressing the actual issue : the money I had in the account at the time of closure. 

I am requesting the immediate release of my funds. Please confirm when and how my remaining balance will be returned to me ( e.g., by check or transfer ). 

This is not a request to reopen the account. This is only about receiving the money that belongs to me. 

Supporting details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Closure date : XX/XX/year> Balance owed : Around {$18000.00} I am requesting CFPBs assistance to ensure Capital One returns my funds promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Uprova Credit, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I applied for a loan with Uprova on their mobile app and was approved for {$1600.00}. This was not the first loan that I had with them, so much of my information was already on file. The docs were electronically transmitted but somehow the last number of my checking account ( which is # XXXX ) became XXXX. I did not notice this at the time as it was info on file, I thought. 

The funds were supposed to be sent the same day, but I did not receive it. So, I went back and checked and found the error in the last number of the account number. I corrected it in my profile, but it was too late because the funds had already been sent to the incorrect account. 

I called Uprova about this and they said essentially, too bad, your fault. I called XXXX XXXX  and they said I could not get info on someone else 's account. I could go into meet with a banker, which I did. She was able to confirm that XXXX did receive the funds but noticed the difference in names, and returned the funds to Uprova on XX/XX/XXXX. I continued to contact Uprova by email and by phone to confirm that they had received the funds back, and they kept saying no funds and you have to pay on the loan. You are responsible for this. XXXX XXXX  said I could get nothing in writing to prove the funds had been returned because I was not entitled to information on the account ending in XXXX, not XXXX. I am stuck here. 

In the meantime, I am getting nasty grams from Uprova about paying on this loan that was never realized. I can prove XXXX funds were ever deposited to my XXXX account, but that is not sufficient, apparently. I asked Uprova to request that XXXX provide them with an official track of these funds. They responded that they would but as of yesterday -- XX/XX/XXXX, they still claim no funds were returned and that I am responsible for the loan because it is my fault. 

I am extremely suspicious that this is a practice to force consumers like me to pay on funds never received ( due to an error that is not far-fetched ) and continue to claim to have never received returned funds from the bank. They have NO interest in resolving this other than to say, sorry you are responsible, not our problem. I have no options without obtaining legal assistance or assistance from your agency. 

I have attached a copy of the contract with typo, my emails to Uprova to resolve this, and my XXXX statement showing no deposit ever to my account. I hope this helps.

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