vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX is report inaccurate information on my credit profile. I'm demanding for immediate investigation and deletion of a false and damaging accounts being report on my credit profile. The entry is erroneous, unverified and a direct violation to the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681 which mandates only 100 % verifiable, and complete information may be reported. The accounts in question is as follows : XXXX XXXX XXXX  Balance : {$1200.00} Also reporting twice same account number with different balance Balance : {$910.00} I have never received proper validation of this debt, nor have I been provided with any documents that support it's accuracy. Unless you can provide conclusive evidence that these accounts are valid, including original signed agreement and a complete payment history I demand these entry be immediately removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I am writing to dispute a late payment reported by Mercedes Benz Financial on the following account : Creditor Name : Mercedes Benz Financial Account Number : XXXX Issue : 30-day late payment ( XX/XX/scrub> 2022 ) The account is now closed and was paid as agreed. This payment mark is negatively impacting my credit, and I ask that you investigate its accuracy. If verified, I kindly ask for a goodwill deletion given my long and positive history with this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-27 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by XXXX XXXX XXXX as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a Secondary bureaus 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 2025-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing a charged-off account reported by Capital One on my credit report. I submitted a written dispute to Capital One on XX/XX/year>, requesting verification of the alleged debt under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested : Proof that Capital One still owns or has the legal authority to report the account ; A full accounting and copy of the original signed agreement ; Documentation that the account was not securitized or sold to a third party.

As of today, I have not received any response. Capital One continues to report the charged-off account without providing validation or confirming their legal standing to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00},

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
XXXX  has failed to fulfil its legal obligations under the Fair Credit Reporting Act

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00},

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 2025-07-27 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: TX

Complaint narrative:
I am writing to officially inform you that an account has been opened in my name without my knowledge or consent. I believe I am a victim of identity theft, and I urgently request your assistance in closing and eliminating this fraudulent account from my credit report I did not authorize the establishment of this account, nor have I engaged in or permitted any transactions related to it. I respectfully ask that you look into this issue and take immediate action to close the account and remove any related charges. 

Attached are copies of any supporting documents I possess, such as a police report or identity theft affidavit, to aid in your investigation. 

I also request that you provide me with written confirmation once the account has been closed and removed from my credit report. 

Please Inform the attorney the credit score is not what as he attached on the documentation and XXXX XXXX XXXX XXXX XXXXXXXX balance {$310.00} Thank you for your swift attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Stratus Financial LLC
State: FL

Complaint narrative:
I took out a loan with Stratus Financial for XXXX XXXX in XXXX of XXXX. The approved loan amount was {$89000.00}, but Stratus only disbursed approximately {$12000.00} to the school.According to the records Stratus provided to me, along with XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX only {$16000.00} was disturbed to XXXX XXXX and {$18000.00} were disbursed to XXXX XXXX XXXX XXXX XXXXXXXX and shortly thereafter, {$11000.00} from XXXX XXXX and {$10000.00} from XXXX XXXX XXXX of XXXX were refunded back to Stratus Financial, leaving approximately {$12000.00} as the total amount actually used between both Aviations schools.Despite this, Stratus try to recast the loan based on {$37000.00}, and even referencing amounts such as {$66000.00} that were never disbursed to me or any of my schools, let alone used by me.Despite that, they continued to charge me interest based on the full {$89000.00} balance, not just the disbursed amount. I raised this issue multiple times to them and requested a breakdown or a corrected loan balance reflecting the actual funds used but they have failed to provide it.

I also contacted Stratus Financial repeatedly by phone and email to resolve this discrepancy. Instead of working with me to fix the issue, they stopped responding altogether to my emails and countless phone calls.No repayment plan was agreed upon, no clear communication was provided to me and yet they still reported this debt to my credit file as if I had defaulted or missed payments on the full loan.Which is inaccurate and misleading since the first contract became null, and i was not agreeing with the terms and conditions of the recast they offered me. 

I have never received the full loan amount, nor have I ever agreed to any formal repayment terms on the remaining undisbursed balance. It is unethical and potentially unlawful to charge interest on money that was never disbursed and to report a balance to credit bureaus that was never actually funded to me when they know i did not agree to the recasting repayment option they offered because it does not make since. And when i try to communicate with them directly, i keep getting run-arounds by different Stratus Financial servicing associates and misleading information by Stratus Financial Servicing manager . Instead of communicating directly with me to solve the issue, they rather stop all sorts of communications but have the capacity to report it to my credit bureau. Not one single collection calls by them, let alone emails attempting to collect a debt or a resolution to my concern.

I am requesting that this matter be thoroughly investigated. I want any inaccurate or unverifiable account removed from my credit report, and I ask the Consumer Financial Protection Bureau ( CFPB ) to hold Stratus Financial accountable for misreporting and failing to communicate transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against Citizens Bank due to their mishandling of a serious fraud case involving over {$8800.00} in unauthorized charges on my account, primarily related to XXXX. 

While I was away in early XXXX, I discovered numerous suspicious charges to my Citizens Bank account. These charges did not match my normal spending patterns, which typically include XXXX deposits of {$25.00}, {$50.00}, or {$100.00}. Instead, the disputed charges included unusual and excessive amountsranging from {$300.00} to over $ XXXX XXXX and XX/XX/year>. 

To be clear, I have used XXXX for years and fully understand my deposit behavior. I previously used my business account, but I stopped and now only use my personal account for XXXX. Thats why these transactions immediately stood out to me. 

When I reported the issue to Citizens Bank, my fraud claim ( Case # XXXX ) was denied. I believe this may have been due to confusion between legitimate and unauthorized transactions. However, I emailed in over XXXX screenshots directly from my XXXX account that clearly show the exact dates, times, and amounts of all deposits I actually made. Many of the charges listed on my Citizens Bank statement do not appear at all in my XXXX history, proving I did not authorize them. 

I also visited a local Citizens Bank branch and spoke with representatives. Unfortunately, even after providing them with evidence, no one properly escalated or reviewed the material I submitted. I also compiled a full list of questionable charges that total over {$8800.00} between XX/XX/XXXX and XX/XX/XXXX. Note : Many of the amounts listed are rounded slightly for clarity, but they accurately reflect the overall total. 

To make matters worse, I have since learned that someone I know used my card without permission. These were unauthorized charges, and I have done my best to provide documentation to show the transactions were not mine. 

Despite this, Citizens Bank has refused to reopen or investigate the claim any further. I have been met with dead ends and representatives who either dont understand the case or are unwilling to help. I have been a loyal customer for years and expected better. 

This situation has caused financial harm and emotional stress. I am requesting that the CFPB help by : Ensuring a full and fair investigation of my claim Reversing the denial of claim # XXXX Refunding the unauthorized charges as outlined in my documentation Thank you for your time and assistance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Severals phone calls and texts messages before XXXX and after XXXX for the last 10 months bothering me and my wife.

Sometimes we received phone calls thinking are friends or family but no ; there were those collections companys using some systems to call us trough our families or friends phones numbers

Company response to consumer: Closed with non-monetary relief