vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 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: TX

Complaint narrative:
Make sure disputed accounts are eliminated promptly, ensuring legal compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: HI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX- I have a late payment on my XX/XX/XXXX credit report and the capital one has not provided proof that the payment was late. 
I have requested that auto pay be set up XXXX different times between XX/XX/XXXX and XX/XX/XXXX and the capital one system keeps dropping the connection between my bank account and the capital one system. I am not notified of this and then its get reported as late. XXXX date is XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: WI

Complaint narrative:
I am filing this complaint because my XXXX XXXX ( Acct. No. XXXX ) * * account is being reported inaccurately and inconsistently across the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

According to my credit reports, TransUnion lists the Date of Last Activity as XX/XX/year>, while Equifax lists the same account with a Date of Last Activity of XX/XX/year>. Experian has already deleted this account entirely. These discrepancies can not all be accurate. The same account can not have different dates of last activity or appear deleted on XXXX report while still being reported as a charge-off on others. 

Under FCRA 607 ( b ), credit bureaus are required to maintain the maximum possible accuracy of all reported information. These inconsistencies demonstrate a failure to uphold that obligation. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information and to have a reasonable reinvestigation conducted by each bureau. I have exercised that right and am requesting verification of this account and documentation supporting the reported data. 

Additionally, the furnisher, XXXX XXXX, is required under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate information, and under 623 ( a ) ( 5 ) to provide the correct Date of First Delinquency ( DOFD ) so that the reporting period is calculated properly under 605 ( c ). The inconsistent dates and deletion from XXXX bureau suggest that the XXXX is either incorrect or not being reported consistently.

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 2025-10-24 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
I am filing this complaint regarding an unverified collection account that appears on my credit report. The collection agency, Source Receivables Management, is attempting to collect a debt I do not recognize and is not legally authorized to collect in the state of Missouri. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt, but this company has not provided any verification or documentation showing that the debt is valid or that they have the legal authority to collect it. 

This unauthorized collection activity is negatively impacting my credit profile and causing financial and reputational harm. I request that the CFPB investigate this company 's collection practices in Missouri and require them to cease all collection efforts, remove the account from my credit reports, and provide written proof of their licensing and the validity of the debt, if any. I am also submitting a complaint to the Missouri Attorney General regarding the company 's unlicensed collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-24 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-24 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: NV

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 2025-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint to dispute and request full validation of the collection account being reported by Equifax under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This alleged debt has been listed on my credit report without any verifiable proof that it is accurate, valid, or legally enforceable. I have not received any written notice containing the required details of this debt as mandated by 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Equifax is reporting this account without ensuring that the furnisher or debt collector has provided the proper documentation establishing ownership of the account, the chain of assignment, or any contractual obligation linking me to this alleged debt. Reporting a debt to a consumer credit file without prior validation constitutes a severe violation of both the FCRA and FDCPA. 

By law, once a consumer disputes or requests validation, the collector must cease all collection and reporting activity until it provides verified documentation directly from the original creditor proving the legitimacy of the debt, the amount owed, and my responsibility for it. Equifax, however, has continued to display this collection entry without ensuring that such validation has taken place. This reckless reporting has severely damaged my credit standing, negatively affecting my access to housing, employment, and fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am disputing inaccurate reporting on my credit file for my XXXX account XXXX The account was closed on XX/XX/year>, yet it is still reporting a {$4500.00} balance as active. This error caused my score to drop nearly 50 points. Please investigate this account and update the status to closed {$0.00} balance or remove the inaccurate entry.

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 2025-10-24 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: TX

Complaint narrative:
It fails to accurately reflect my financial views.

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 2025-10-24 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX AUTO - 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 2025-10-24 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DISCOVERCARD - XXXX * * * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Mortgage Servicing Complaint and Appeal Fifth Third Bank and SPS XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding the ongoing mishandling of my mortgage account by XXXX XXXX Bank and SPS Servicing. Both institutions have engaged in repeated servicing errors and misleading practices that appear to violate federal mortgage servicing laws, including improper application of payments, wrongful termination of a modification, dual-tracking, and false credit reporting. 
Background and XXXX I entered a loan modification trial with SPS XXXX in XX/XX/XXXX. I made all trial payments on time for XXXX and XXXX. My income had also increased due to an adjustment in my VA XXXX compensation, which now totals {$2200.00} per month. 
Despite complying fully with the terms of the trial modification, SPS XXXX wrongfully closed my modification in XX/XX/XXXX. Since that time, I have received multiple inconsistent and conflicting explanations from SPS representatives as to why the modification was closed. Some said it was because I disputed prior payments from XXXX XXXX ; others claimed I was late, even though my XXXX and XXXX payments were made on the XXXX of each month just XXXX day after the due date. 
During this same period, I was also told that my loan had been referred to an attorney while my modification was still under review, which constitutes dual-tracking an explicit violation of federal mortgage servicing rules. 
Fifth Third Banks Misconduct When Fifth Third Bank serviced my loan, my payments were current as of XX/XX/XXXX. I made XXXX payments in XXXX ( covering XXXX and XXXX ), and additional unapplied funds covered XXXX and XXXX. I also made my XXXX, XXXX, and XXXX payments directly at the bank using cash or cashiers checks and I have receipts for each.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 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: WA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * XXXXXXXX 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 OF XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> 2024

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 2025-10-24 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: AZ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DISCOVERCARD - 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 CARD - 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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing in response to your recent correspondence regarding an alleged debt you claim to have purchased from XXXX XXXX XXXX Bank XXXX. in the amount of {$10000.00}. I do not acknowledge this debt and hereby request validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Under federal law, you are required to provide the following documentation to substantiate your claim : Proof that Midland Credit Management XXXX XXXX is the current legal owner of this alleged debt, including a bill of sale or assignment from XXXX XXXX XXXX Bank XXXX.. 


A complete and itemized accounting of the alleged balance, showing how the total of {$10000.00} was calculated, including all interest, fees, and credits. 


A copy of the original signed agreement or contract bearing my signature, establishing my obligation to pay this debt. 


The date of last payment or charge, so that I can verify whether this alleged debt falls within the applicable Virginia statute of limitations for collection or legal enforcement. 


Please note : under Virginia law, the statute of limitations for most open-ended credit accounts, including credit cards, is 3 years from the date of last payment or charge ( XXXX XXXX XXXX ( XXXX ) ). If the alleged account is beyond this period, it is considered time-barred, and you are legally prohibited from suing or threatening to sue for its collection. 
Until proper validation is provided, please consider this debt in dispute. In accordance with FDCPA XXXX ( b ), you must cease all collection efforts, including calls, letters, or threats of legal action, until you have provided complete verification. 
If you continue to send threatening or misleading correspondence suggesting legal action without proper validation, you will be in violation of FDCPA 807 ( 5 ) and 807 ( 10 ). Please also note that any attempt to collect a time-barred debt by threatening litigation XXXX constitute a deceptive practice under federal law and Virginia consumer XXXX statutes. 

Please communicate only in writing and send all responses to the mailing address above. Do not contact me by phone or any other means. 

Failure to comply with this request will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General of Virginia, as well as consideration of a private civil action under 15 U.S.C. 1692k for statutory damages, attorneys fees, and costs.

Company response to consumer: Closed with non-monetary relief