vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I am submitting a complaint regarding lack of response from my mortgage servicer, Virginia Housing, related to a payment deferral / hardship assistance request.

I sent a secure message through Virginia Housings online portal on XX/XX/year> requesting information and assistance with a mortgage payment deferral due to financial hardship. The message was classified in the system as past due payment ( or similar wording ), indicating it was treated as a servicing or loss mitigation issue. 

I received no acknowledgment or response to that message. I sent a follow-up message on XX/XX/year>, and again received no acknowledgment or response. 

As of today, more than XXXX weeks have passed with no confirmation of receipt, no request for documentation, and no guidance on next steps. I am attempting to proactively work with my servicer to remain in good standing on my mortgage, but the lack of response is preventing me from doing so. 

I am requesting that Virginia Housing : Acknowledge receipt of my loss mitigation / deferral request Provide clear next steps or documentation requirements Confirm that no adverse action, fees, or credit reporting will occur due to their failure to respond I believe this lack of acknowledgment and response may be inconsistent with mortgage servicing requirements under RESPA and Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am disputing the following items on my Equifax credit file. These items appear to be inaccurate, incomplete, or not properly verified. 

Charged Off Account : XXXX  XXXX Account No : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$780.00} * * Please provide verification and documentation supporting this charge-off. If unavailable, I request deletion in compliance with the FCRA. 

Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am requesting investigation into these inquiries. I do not recall authorizing them. Please provide evidence of authorization or remove them. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm these late payment reports with the data furnishers. If proper proof of delinquency is not available, these entries should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NV

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverified information being reported on my Experian credit report. I have reviewed my file and identified charged-off accounts and hard inquiries that are either inaccurate, incomplete, outdated, or not properly verified. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum possible accuracy and to verify disputed items with proper documentation. 

XXXX Accounts in Dispute ( Experian ) XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | XXXX {$1200.00} XXXX XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | Balance {$15000.00} Unauthorized / Unverified Inquiries ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-28 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: SC

Complaint narrative:
XXXX XXXX continues to report two accounts that were disputed as unauthorized and established through fraud. In XXXX, XXXX sold both accounts to multiple third party debt buyers, while stating it would retain the right to continue reporting via its service user agreement. I have NEVER signed a user agreement with XXXX XXXX so this does not apply as I have no valid contract with XXXX XXXX Each debt buyer was provided with evidence showing the accounts were not mine, including proof that the identifying information connected to the accounts does not belong to me. After reviewing this evidence, EVERY buyer ( 5 total ) closed or returned the accounts to XXXX. 

The most recent and material development occurred on XX/XX/XXXX. A licensed XXXX XXXX attorney, acting on behalf of a subsequent assignee and seeking to collect {$12000.00} on the two disputed accounts, issued notice of an intent to pursue legal action ( Right to Cure Notice ). Upon receipt, I supplied documentary evidence demonstrating that the accounts were opened through fraudulent means and were not attributable to me. The attorney conducted an independent review, including DIRECT CONTACT WITH THE LAW ENFORCEMENT AGENCIES INVESTIGATING MY CLAIMS, and confirmed that the information I provided was accurate. 

Following that investigation, the attorney formally concluded that the accounts were fraudulent under XXXX XXXX consumer law, closed the matter, confirmed that no further collection activity would be pursued, and advised the then holder, XXXX XXXX, of the determination and final disposition. 

Even after these findings, XXXX continues to report the accounts as mine and refuses to correct the reporting. This continued reporting conflicts with the conclusions of the parties who attempted to collect and contradicts the evidence I have repeatedly provided, including linking this account to phone number ending in XXXX which has been undoubtedly proven as not being owned or used by me. 

I am requesting immediate removal of these accounts from all credit reporting systems. If XXXX XXXX continues to report these false and damaging accounts, my next step will be to seek XXXX relief in the XXXX XXXX, XXXX XXXX  XXXX XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am writing to dispute several inaccuracies found on my credit reports. Below are the details of the accounts in question, along with a clear description of the issues. Please investigate these matters and make necessary corrections as required under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX Account Number : XXXXXXXX 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 2025-12-28 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 filing this complaint to dispute inaccurate and misleading information being reported on my Experian credit report. I am a consumer actively working to repair my credit and ensure my report is accurate, complete, and fair. 

Charged-Off Accounts in Dispute I am disputing the following accounts : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX. Account XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$0.00} ) All of these accounts are reporting XXXX balances, yet they continue to be listed as charged off and negatively impacting my credit. Reporting a charge-off with a XXXX balance is misleading and does not accurately reflect my current financial obligations. I am requesting Experian verify the accuracy of the account status, balances, and reporting history, and remove or correct any information that can not be fully verified. 

Inquiry in Dispute XXXX XXXX/ XXXX Inquiry dated XX/XX/XXXX I do not recall authorizing this inquiry. I am requesting Experian verify that this inquiry was initiated with my permission or remove it if it can not be validated.

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 2025-12-28 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: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to address inaccuracies and discrepancies in my credit report, specifically regarding the following accounts. These accounts are in dispute due to incorrect reporting and incomplete information. I request an immediate investigation into the items below and the necessary corrections as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : 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 XXXXXX/XX/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 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Late Payments : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2025-12-28 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: GA

Complaint narrative:
Dear Sir or Madam, Please be advised that I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Federal Trade Commission Report and/or Fraud Affidavit. 
I HAVE INCLUDED HERE THE REQUIRED FEDERAL TRADE COMMISSION REPORT AND FRAUD AFFIDAVIT. 

Therefore, I hereby demand that you immediately delete the fraudulent accounts and inquiries listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX ( Identity Theft! ). 
XXXX XXXX  ( Identity Theft! ). 
XXXX XXXX BANK XXXX ( Identity Theft! ). 

Enclosed here are my Drivers License, Social Security Card, and Utility Bill, excerpts from the relevant FCRA Sections, as well as a copy of the Federal Trade Commission Report and Fraud Affidavit. 

The law is very clear as to the Civil Liability and the remedies available to me under FCRA Section 616 & Section 617 if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA should you not comply. 

I look forward to receiving an updated copy of my credit report reflecting the above corrections. Also, kindly delete from my credit file all other addresses except XXXX, which is the only address that I have lived in that should be on my credit file. 

Again, Section 605 ( b ) of the Fair Credit Reporting Act requires that you 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 within 4 business days. Therefore, please block and/or delete this information from my credit report, and send the required notifications to all furnishers of this information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information that Experian is reporting on my consumer credit file. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that all information reported is accurate, complete, and verifiable. The accounts listed below do not meet those standards and must be properly investigated, corrected, or removed. 

CHARGED-OFF ACCOUNTS IN DISPUTE XXXX XXXX Acct # XXXX | Opened XX/XX/XXXX | Balance {$15000.00} XXXX XXXX XXXX Acct XXXX XXXX | Opened XX/XX/XXXX | Balance {$700.00} XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$8200.00} XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$750.00} LATE PAYMENTS IN DISPUTE XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX  XXXX Acct 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: TX

Complaint narrative:
I am disputing the eviction reported by Contemporary Information Corp ( CIC ). The record states that I received service of the eviction citation on XX/XX/XXXX, but I was not served until XX/XX/XXXX, and I did not reside in Texas in XXXX. This is factually incorrect. 

Under FCRA 623, you are legally required to report only accurate and verifiable information. I am requesting that CIC : 1. Correct the eviction date to reflect the accurate date of service ( XX/XX/XXXX ), or XXXX. Delete the eviction record entirely if you can not verify the information with official documentation. 

Please provide documentation proving that the current reported information is accurate. If you can not, you must remove this account from all credit reporting agencies to which you have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing inaccurate late payment reporting on an open account. The creditor is reporting late payments that are not accurate and/or have not been properly verified. I previously contacted the furnisher regarding these late payments, but the inaccurate information continues to be reported. 

This reporting is negatively impacting my credit profile and appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate, complete, and verifiable. 

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  # XXXX  XX/XX/XXXX -- {$5200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$490.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
I am writing to dispute multiple accounts listed on my credit report. I believe the information being reported is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ). Below is a breakdown of the disputed items by credit bureau : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My debit card was stolen while being in transit to me via usps. Someone stole it and spent {$2800.00} dollars off it in XXXX, NJ. I filed a claim with TD Bank and they denied the claim on the basis that I had the physical card. I never received the card and it was never in my possession. I had the option of using it as a digital card on my XXXX XXXX but I never had the physical card. They denied my claim and did not refund me my stoled money. 
they also gave me no provision credit from this fraud. I filled a second claim for this and its being looked at now with the additional details that I never was in the posession of this card. Also, while the card was beinv used Td Bank did not send me fraud alert texts verifying purchases until XXXX days later after the money was already spend. This is an error on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am filing this complaint to dispute the accuracy of a charged-off account currently appearing on my Equifax credit report. 

Account in Dispute ( Charged Off ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Reported : {$5100.00} I dispute this account due to concerns regarding its accuracy and completeness. Equifax has a legal obligation under the Fair Credit Reporting Act to ensure that all reported information is fully verified and correctly reported. 

Despite prior disputes, this account remains on my credit report without sufficient evidence that it has been properly validated. The continued reporting of potentially inaccurate information is causing ongoing harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX financed through Capital One Auto Finance. I later discovered the vehicle had been declared a total loss prior to purchase. Capital Ones own written policy prohibits financing total-loss vehicles, meaning this loan should never have been originated. 

I formally notified Capital One of this issue through a CFPB complaint filed in XX/XX/XXXX and provided documentation, including vehicle history records and purchase paperwork. Despite this notice and dispute, Capital One continued collection activity and repossessed the vehicle in XX/XX/XXXX. 

Following the repossession, Capital One issued post-repossession communications, including a deficiency notice, confirming enforcement of the loan. However, on XX/XX/XXXX, Capital One responded to the CFPB complaint by canceling the loan and requesting updates to credit bureaus, effectively acknowledging the loan was invalid. 

Capital One has never provided direct proof of repossession, such as a repossession order, tow report, or sale documentation, despite my request. The repossession and continued enforcement of an invalid loan caused significant financial and personal harm. 

I am disputing Capital Ones repossession and enforcement actions, which occurred after notice and on a loan they later admitted should not have existed.

Company response to consumer: Closed with explanation