vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NE

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: WV

Complaint narrative:
On XXXX I sent multiple letters to XXXX and XXXX. Certified cease and desist they sent my mail to someone elses house and the people opened it to read what was inside its personal medical records and information this is clearly a hippa violation sending medical records with out permission from the person they violated my rights under fcra cfpb ftc XX/XX/XXXXthey have multiple lawsuits pending because of sham collection efforts they continue to harass and harm me plus the neighbors know about peoples medical history

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Dear Spring Oaks Capital LLC, I am writing in response to your email dated XX/XX/year>, in which you claim that I owe a debt. This letter is not a refusal to pay, but a notice that your claim is being disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the alleged debt. 

Please provide the following information : The name and address of the original creditor. 

The amount of the alleged debt and a detailed explanation of how that amount was calculated. 

A copy of any written agreement bearing my signature that shows I agreed to assume this debt. 

XXXX that you are licensed to collect debts in my state, including your license number and registered agent. 

Proof that you have the legal right to collect this debt ( e.g., documentation showing the assignment or transfer from the original creditor ). 

Please note that until you provide the requested validation, you must cease all collection activities, including phone calls, letters, credit reporting, or legal action, as required by federal law. 

If you can not provide proper validation, you must : Cease all collection efforts immediately, and Remove any information related to this account from my credit reports with all credit bureaus. 

I request that all future communications regarding this matter be made in writing only. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Asked the company to provide proof of a signed contract showing my signature for over three years company to this day havent provided any of this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, AL XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries XXXX are being challenged 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 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day, I am requesting the removal of the subsequent late payment from my credit report. This constitutes a billing discrepancy. I have never been tardy with this payment. I consistently made timely payments since my account is set to autopay. Kindly ensure punctuality at all times. I am enclosing all requisite paperwork with this letter.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to follow up on a formal dispute I submitted on XX/XX/year>, regarding inaccurate and/or fraudulent accounts listed on my credit report. 

More than 30 days have passed since my dispute was filed, and I have yet to receive a proper response or resolution. Instead, I was informed ( or it was implied ) that a third party may have submitted my dispute. I want to make it absolutely clear that I personally prepared and submitted the dispute. In fact, the original letter was signed by me and explicitly stated that I certified the dispute was prepared and submitted by me alone.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-20 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: HW Holding, Inc
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its establishment or usage. Supporting documents are attached to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint and raise serious concerns about a practice I have experienced with credit card issuers. On two separate occasions in the last year, I was laid off from my job. In both instances, within weeks of my employment ending, my credit card providers prompted me to update my income.

This pattern suggests that issuers are receiving timely, non-public information about my employment status, likely through third-party data aggregators or payroll data services, and are using it to proactively re-evaluate my account status. While I understand the need for lenders to manage risk and comply with the " ability to pay '' provisions of the CARD Act, the timing and method of these inquiries feel predatory and punitive. 
This practice targets consumers at a moment of acute financial vulnerability. An unexpected income verification prompt immediately after a job loss causes significant distress and creates fear that a primary financial tool could be restricted or closed when it is needed most. It raises the following questions that I urge the Bureau to investigate : Data Sourcing and Transparency : What specific data sources are credit card issuers using to receive near-real-time updates on a consumer 's employment status? Is the use of this data for proactive account management adequately disclosed to consumers? 
Unfair Practices ( UDAAP ) : Does this practice constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP )? Targeting individuals immediately after a job loss could be interpreted as taking unreasonable advantage of their situation and the lack of public knowledge about these data-sharing practices.

Spirit of the Law : Does this proactive, data-driven review align with the consumer-protection spirit of the CARD Act, or is it a punitive application of the rule that harms rather than helps consumers in precarious financial situations? 
This practice feels like a systemic overreach that can cause significant harm to consumers who have just lost their primary source of income. I request that the CFPB investigate the prevalence of this industry practice and assess its legality and fairness under current consumer protection laws. 
Thank you for your attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns. I urgently request the removal of false accounts from my credit report to prevent future financial harm. My credit report is my lifeline, and I insist on factual accuracy, verification, and compliance XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This dispute will be my last one, and I will then file a lawsuit against your company in a civil court in my home state of XXXX. I'm requesting that this account be deleted and that it be investigated. Because I informed your employer about this bogus account, I was recently rejected for a job. Crucially, I have also preserved all of my documentation of previous conflicts with your business.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This dispute will be my last one, and I will then file a lawsuit against your company in a civil court in my home state of XXXX. I'm requesting that this account be deleted and that it be investigated. Because I informed your employer about this bogus account, I was recently rejected for a job. Crucially, I have also preserved all of my documentation of previous conflicts with your business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Capio Partners, LLC
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been attempting to contact PHH Mortgage to notify them that I recently became XXXX and am in the process of applying for financial relief through the Florida XXXX Assistance XXXX ( HAF ). My goal was to ensure PHH is aware of my situation and to ask what documentation or verification they require from me or from the XXXX program. 

I first attempted to contact PHH Mortgage by phone on XX/XX/year>, at multiple times during the day, but each call resulted in a recorded message stating, Due to unforeseen circumstances, we are unable to assist, and then the call disconnected. 

I then attempted to contact them through their official websites customer message portal, but each time the page displayed a XXXX XXXX error, preventing submission of any messages or requests. 

As of today, I have not been able to reach any representative or receive any response. I am seeking to establish communication so that my HAF assistance application can be properly coordinated with PHH Mortgage and to request temporary payment deferral or forbearance while my HAF and XXXX ( SSDI ) applications are under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-20 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: NJ

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in breach of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are not only unfair but also unlawful.

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