vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 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: NJ

Complaint narrative:
Subject : FCRA 605C Violation Mishandling of XXXX Block Request by Equifax Complaint # : XXXX Dear CFPB, I am following up on my complaint regarding a XXXX block request under FCRA 605C that I submitted with valid documentation confirming my status as a XXXX survivor.

Equifax responded to my complaint by stating that the accounts were verified as mine and treating it as a standard dispute under FCRA 611. This response is in direct violation of FCRA 605C, which requires credit reporting agencies to block negative items resulting from XXXXXXXX  regardless of whether the account is in the victims name. 

I submitted all necessary documentation, including a determination from a qualified antiXXXX service provider, and clearly stated that the accounts were connected to XXXX 

I am requesting CFPB assistance in : Enforcing the required 4-business-day XXXX block under 605C. 

Instructing Equifax to correctly process this request under the proper section of the law. 

Please advise on any additional steps I need to take to hold Equifax accountable for this mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MA

Complaint narrative:
I am in forbearance and was not notified, and I do not think I should be getting interest but I am. When I was paying my monthly payments for the next payment my balance was higher than the month before. I am not sure what is happening and I feel like I am being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/, I mailed a written request to Experian formally disputing the inclusion of outdated and inaccurate names and addresses on my consumer report. In that letter, I specifically requested that Experian : 1. Remove all outdated and inaccurate personal identifiers, including names, phone numbers, and addresses that do not reflect my accurate legal information ; 2. Update all consumer identity fields to reflect only my correct legal name and current mailable address, as any other address is inaccurate and therefore unreportable under the Fair Credit Reporting Act ( FCRA ) ; 3. Update the birth date on my report as it is currently being reported incorrectly ; 4. Provide written confirmation of these corrections along with an updated copy of my consumer credit file. 

To date, Experian has failed to respond in compliance with the FCRAs required timeframe. This lack of action constitutes a failure to conduct a reasonable reinvestigation and provide the requested updates and documentation within the statutory period as required under 15 U.S.C. 1681i.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-15 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: FL

Complaint narrative:
I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation, I would like these items to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX Account # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please provide me an updated credit report after you have completed your investigation and corrections.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I submitted disputes to both XXXX and XXXX regarding the collection account you are currently reporting on my credit file. XXXX has deleted this account from my credit report. However, this same account is still appearing on my XXXX  credit report. 

The account in question is related to XXXX XXXX, with a reported balance of {$120.00}. I want to know why this account is still being reported to XXXX after it was removed from XXXX. Did you fail to notify XXXX that the account should be deleted, or did you provide inconsistent responses to each bureau regarding the same account? 

As the furnisher of this information, you are legally responsible for ensuring that the data you report is accurate, complete, and consistent across all credit reporting agencies. The fact that XXXX removed the account while XXXX continues to report it raises serious concerns about your compliance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are obligated to do the following : 623 ( a ) ( 1 ) ( A ) : You must not furnish information you know or have reasonable cause to believe is inaccurate.

623 ( a ) ( 2 ) : You are required to promptly update and correct information that is incomplete or inaccurate with any consumer reporting agencies to which you furnish data.

623 ( b ) ( 1 ) ( D ) : If an item of information can not be verified during a consumer dispute, it must be deleted from the consumers file. 

XXXX deletion of this account indicates that the information either could not be verified or was found to be inaccurate. If so, you are obligated to take the same action with XXXX. Continuing to report the account to XXXX without resolving this discrepancy is a violation of your responsibilities under the FCRA. 

I have attached the dispute I sent to XXXX which deleted this account, as well as the dispute I sent to XXXX. I expect you to resolve this matter promptly and ensure your reporting is accurate, complete, and consistent across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt DEPT OF ED- XXXXXXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
n 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 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681s-2 ( A ) ( a ) 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.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-15 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: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX RE : Request for Proof of Assignment and Dispute of Alleged Debt THIS ACCOUNT IS PAID SO IT IS NOT IN COLLECTION I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so.

You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account.

Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX capital 1 closed my XXXX XXXX card. Called them for info why they closed it. They can not give me a reason. All my points are gone. They gave me cash credit for all the points I saved up. I paid on time, and there were no fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Duvera Billing Services, LLC
State: IA

Complaint narrative:
RE : Request for Proof of Assignment and Dispute of Alleged Debt THIS ACCOUNT IS PAID SO IT IS NOT IN COLLECTION I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 



This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
XXXX XXXX XXXX mailed me a debt collection notification XX/XX/year>, stating they were a debt collector for a debt to Capital One NA. On XX/XX/year> I mailed the notification back to them with a letter. On the notification, I checked I want to dispute this debt because it is not my debt, and I want you to send me the name and address of original creditor. The letter stated that I was disputing the debt because it was not mine, & I was unaware it existed. I requested the original signed & dated contract, in order to report identity theft. Their notice did not have a full account number. The collector never replied or sent any information. In XXXX of 2024 XXXX XXXX XXXX filed a court summons case XXXX, naming Capital One N.A. As the XXXX and XXXX XXXX XXXX as the Attorney. I have been litigating this debt ever since. I have repeatedly sent additional disputes. I have filed an Identity Theft Report XXXX Affidavit with the Federal Trade Commission. My complaint is that this should not have been filed in court. XXXX XXXX XXXX ignored my timely dispute and did not provide me with the information I requested. In our litigation, XXXX XXXX XXXX did not send me any Discovery or evidence, until the judge told them to. The Discovery they sent listed attachments that were not attached or included. They have never shown any proof that the debt is owned by them, or a contract. Capital One NA has told me that they sold the debt, but they are listed as the Plaintiff. It is all very shady, and this debt never should have been filed in court.

Company response to consumer: Closed with explanation