vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX XXXX ( XXXX XXXX, FL ). I made a {$2000.00} down payment by credit card ( receipt attached ), but this payment was never properly credited. XXXX XXXX later sold my contract to Capital One Auto Finance without resolving my concerns. 

After reviewing the documents, I found discrepancies including altered contract signatures compared to my original copy. I also filed supporting legal documents ( UCC-1 Financing Statement, Trust Certificate, Security Agreement, Power of Attorney ) which establish my secured position. 

I am requesting that my down payment be credited, the account balance be offset and closed, and that Capital One update the credit bureaus to show paid in full/closed. I want this resolved in good business terms, without court action, so my account is finalized properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im filing this complaint because XXXX keeps reporting a tradeline they cant prove they even own. Their verification consisted of recycled billing statements, not real documentation. 

Under FCRA 611 and 623, thats not an investigation its a copy-paste game. If they actually had a signed contract or valid chain of title, theyd have sent it already. Instead, they hide behind generic letters and hope the bureaus just rubber-stamp it. 

This account has been disputed multiple times and they still cant provide : An original signed agreement, Real assignment/ownership proof, Payment history, or Verification records with the credit bureaus. 

Continuing to report unverifiable data is a clear violation of FCRA 607 ( b ) ( accuracy ), 611 ( a ) ( reasonable investigation ), and 623 ( a ) ( furnisher responsibility ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim. I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX / XXXX XXXX for continued reporting of a disputed and unverifiable tradeline on my credit reports. The company has repeatedly failed to provide legally required documentation after disputes. 

Specifically, XXXX provided only generic statements and boilerplate documents but no original signed contract, no chain of title or assignment, and no actual evidence proving legal ownership or the accuracy of the information reported. This does not meet the standard of a reasonable investigation required under FCRA 611 ( a ) and violates their furnisher duties under FCRA 623 ( a ). 

Continued reporting of unverified or inaccurate information also violates FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ). If XXXX has sold or assigned the debt, it no longer has legal standing to verify or report it. Their verification is insufficient and misleading.

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 2025-10-28 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: FL

Complaint narrative:
I am submitting this formally dispute several inaccurate and misleading items currently being reported on my credit file. In accordance with FCRA 611 ( 15 U.S.C. 618i ), I am exercising my right to have these items investigated and corrected. The FCRA 602 emphasizes the importance of accurate credit reporting as a reflection of a consumers creditworthiness, and I believe the following accounts are not being reported with complete accuracy. 
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  Balance : XXXX Date Opened : XX/XX/2023 Payment Status : Late XXXX  Days 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 Balance : XXXX Date Opened : XX/XX/2023 Payment Status : Late XXXX  Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} -tied up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am submitting this formally dispute several inaccurate and misleading items currently being reported on my credit file. In accordance with FCRA 611 ( 15 U.S.C. 618i ), I am exercising my right to have these items investigated and corrected. The FCRA 602 emphasizes the importance of accurate credit reporting as a reflection of a consumers creditworthiness, and I believe the following accounts are not being reported with complete accuracy. 
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  Balance : XXXX Date Opened : XX/XX/2023 Payment Status : Late XXXX  Days 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 Balance : XXXX Date Opened : XX/XX/2023 Payment Status : Late XXXX  Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} -tied up

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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: MA

Complaint narrative:
I am a Massachusetts resident. Minto Money issued me a {$1200.00} consumer loan online on XX/XX/year> at 419.98 % APR. The lender is not licensed in Massachusetts ( G.L. c. 140 96 ), and the APR far exceeds the criminal usury limit of 20 % ( G.L. c. 271 49 ). 

Minto Money continues to collect and withdraw funds from my account despite these violations.

They also rely on a tribal-law clause and an arbitration agreement to avoid Massachusetts law , which is against public policy.

All interest and fees are void under G.L. c.140 110. I dispute the debt and request CFPB enforcement to stop illegal collection, credit reporting, and unlicensed lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Account Type ( Collection ) and Account Status ( Derogatory ) conflict with the data reported by other bureaus. 

Payment Status, Date Last Active, and Date of Last Payment are inconsistent with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I resided at XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX, to XX/XX/XXXX. I provided a two-month written notice of my intention to move. On the day I was scheduled to return my keys and vacate the premises, the property manager, XXXX XXXX XXXX, informed me of an outstanding water bill totaling {$270.00}. 

I expressed my confusion, as I had paid my rent on XX/XX/XXXX, including the water bill and all utilities. XXXX XXXX explained that I had not received a water bill for the first XXXX months of my tenancy, starting in XX/XX/XXXX. I requested to see the billing ledgers, as I found it concerning that this issue was being raised after XXXX years of residence. I stated that I could not make any payments until I verified these charges with the City of XXXX. 

XXXX XXXX indicated that if I did not pay immediately, I would need to deal with the accounts receivable department thereafter. I insisted on reviewing the ledgers for the entire duration of my tenancy, but the leasing agent only provided records from XXXX to XXXX. 

When I returned to the office a few days later due to difficulties reaching them by phone, I spoke with XXXX. She advised me to contact accounts receivable, as they were now responsible for billing. Upon calling accounts receivable, I was told that there was no need for my call, and they would send the bill directly to me. 

XXXX weeks later, I received an email from XXXX XXXX at XXXX, indicating that I owed {$730.00}. This prompted me to call XXXX, where I was informed that they no longer managed The XXXX XXXX XXXX XXXX. I inquired about the current management and was directed to XXXX. 

I contacted XXXX and spoke with XXXX, who stated they could not locate my records and advised me to call back in a week. Unfortunately, I found myself being passed around with no clear resolution. Eventually, on XX/XX/XXXX, I spoke with a representative from XXXX who was notably rude. He insisted that I must pay the charges or face serious legal repercussions. I informed him that I was recording our conversation. 

Despite my efforts to explain that the charges were not legitimate due to normal wear and tearspecifically, that I had never needed to repaint the walls or resurface countertops after XXXX years of residency, and that I had thoroughly cleaned the apartmentI was met with continued resistance. 

Since that conversation, I have been receiving numerous emails, text messages, and phone calls from them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-28 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: CA

Complaint narrative:
I am submitting this formally dispute several accounts on my credit report that are inaccurately reported as late or derogatory despite having a XXXX balance. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete or outdated information must not be reported ; FCRA 623 ( a ) ( 5 ) Furnishers obligation to report accurate Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) Credit information must only be accessed or reported with a permissible purpose. The accounts listed below contain errors and require correction or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 am submitting this formally dispute several accounts on my credit report that are inaccurately reported as late or derogatory despite having a XXXX balance. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete or outdated information must not be reported ; FCRA 623 ( a ) ( 5 ) Furnishers obligation to report accurate Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) Credit information must only be accessed or reported with a permissible purpose. The accounts listed below contain errors and require correction or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation