vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Attachment XXXX Saturday ( XX/XX/year> ) I found that Amex has flagged XXXX account in my name as charge-off. I dont recognize the charges or Amex account / card / Loan. 
I have opened an Account and Telephone Dispute in my XXXX  credit report. 
Sunday ( XX/XX/year> ) Added an initial fraud alert and frozen my Experian credit file even thought my XXXX  was already XXXX before. 
I called Amex ( XXXX this number was the contact information number under the account details in XXXX  Credit Report related to the charged off account ), and they didnt see any Charge off or irregularities under my XXXX  and advised me to Dispute with XXXX. 
I called XXXX ( XXXX ), the Bank I have relationship with, and they didnt see any irregularities in my accounts/ XXXX  as well. 
Created an account at XXXX XXXX Added an initial fraud alert with XXXX  XXXX XXXX with XXXX  Friday ( XX/XX/year> ) Received a letter from XXXX XXXX XXXX, XXXX ( debt collector ) about American Express XXXX XXXX Account XXXX : {$21000.00} The letter advised about their office hours Monday thru Friday and It was to late to call them that day. 
Monday ( XX/XX/year> ) I have called XXXX XXXX XXXX, XXXX. ( XXXX ), they told me the collection was Amex XXXX XXXX for XXXX. I clearly stated that I didnt own any business, do not recognize the charges, account, card or XXXX. They advised me to contact Amex ( XXXX ). 
I have called Amex ( XXXX ), they also did not see any irregularities under my XXXX  but since I mentioned XXXX they advised me to call Amex XXXX line of Credit ( XXXX ). 
I have called Amex ( XXXX ), it seems that they have an Business account under my name but they did not confirm or denied since some information they have on file did not match what I was confirming to them ( as far I could understand my phone number and/or e-mail wasnt on file, they also requested an Amex XXXX that I didnt have it ). I also clearly stated that I dont own any business, do not recognize the charges, account, card or XXXX and they added that information on file and asked the XXXX team to contact me. 
Amex called me ( XXXX ), they send me an email with instructions ( XXXX ) File an ID Theft Report through the Federal Trade Commission, ( XXXX ) file a Police Report - the report has to mention I am a victim of Identity theft and include the amex details. ( XXXX ) Fill out, notarize the ID Theft Affidavit. ( XXXX ) Fill out XXXX Account statement. 

Recently, I have received a letter from XXXX  XXXX  stating my XXXX  and XXXX were compromised, they offer me XXXX  years of Identity protection and I was able to XXXX XXXX with XXXX  XXXX  them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper refuses to directly communicate with me regarding a unique tax situation as a XXXX XXXX XXXXXXXX veteran living in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
Transunion is reporting a XXXX XXXX XXXX ( XXXX ) collection for XXXX XXXX XXXX ( Acct # XXXX, {$5200.00} ). I never received a required debt-validation/dunning notice from XXXX. The furnisher has provided no contract, no assignment, and no itemized accounting. Dates on the tradeline are inconsistent. I disputed with Transunion ; this item is unverifiable and should be deleted immediately. 

Details & Timeline : I first discovered this collection on my Transunion report around XX/XX/year>. 

The tradeline shows Opened : XX/XX/year> and a Balance Updated : XX/XX/year> with inconsistent status updated timing. 

I never received the written validation notice required within XXXX days of any initial communication. 

I submitted a written validation/deletion request to XXXX XXXX XXXX and asked them to cease collection/furnishing unless validated. 

I also disputed with Transunion and requested deletion under FCRA 611 because the furnisher has not validated the debt and the reported data is inconsistent.

Why this violates the law : 15 U.S.C. 1692g ( FDCPA ) : No proper validation/dunning notice was provided ; continuing to collect/furnish without validation is unfair/inaccurate.

FCRA 607 & 611 ( 15 U.S.C. 1681e & 1681i ) : Transunion must follow reasonable procedures for maximum possible accuracy and delete information that can not be verified during reinvestigation. 

( I am in Texas ) Texas Finance Code Ch. 392 similarly prohibits collection/furnishing of unverified/inaccurate information. 

What Ive asked for already : From XXXX : Provide ( 1 ) the signed lease/contract, ( 2 ) chain of assignment/authority , ( 3 ) a full itemized accounting of the {$5200.00}, ( 4 ) the date of first delinquency furnished to Transunion, and ( 5 ) proof of any notices mailed ( with dates ). If they cant validate promptly, to request immediate deletion with Transunion and confirm in writing. 

From Transunion : Delete the account as unverifiable and correct my file. 


This inaccurate, unvalidated collection has lowered my score and is interfering with my ability to obtain credit/funding and housing. I am actively applying for credit and this is causing immediate financial harm.

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 2025-09-30 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: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX INQUIRY ACCOUNT NAME : XXXX XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-09-30 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-09-30 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO B E INACCURATE.

UNDER 1 5 US CODE 168 ACCURACY O F REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have been approved for a modification but XXXX XXXX has not sent the documents, they have given e 14 days to accept or deny the offer, I would like to communicate with them to see if the monthly payment can be lowered the letter stated t contact them if I'm still unable to make the modified payment. I contacted them but the representative stated that it is non negotiable. I want t keep my home but my husband is now unemployed and I have to make payments on my own. I contact this lending office and often am told many different things depending on who I speak to.

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 2025-09-30 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO B E INACCURATE.

UNDER 1 5 US CODE 168 ACCURACY O F REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO B E INACCURATE.

UNDER 1 5 US CODE 168 ACCURACY O F REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report lists a XXXX XXXXXXXX bankruptcy with case no. XXXX, reported by Experian. The entry is inaccurate and unverifiable because not my record. I previously requested an investigation, but the bureau did not correct or verify the record with the original source.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Servicesaccount and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a {$1600.00} charge from XXXX XXXX ( dated XX/XX/year> ) on my Capital One credit card. The merchandise ( a desk ) arrived with a hidden defect ( a chip ) shortly after delivery, which makes it not delivered as agreed under the Fair Credit Billing Act ( FCBA ).

Capital One closed my dispute claiming I lacked information and told me to deal directly with the merchant, despite the fact that I had already provided details of the defect and XXXX XXXX refusal to resolve the issue. Capital One did not specify what additional information was needed, and they closed my case without conducting a full investigation. 

This is not consistent with the FCBA, which requires the creditor to investigate and resolve disputes within two billing cycles ( not more than 90 days ). I am requesting that Capital One reopen my dispute, conduct a proper investigation, and provide a resolution in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Charles Schwab restricted my brokerage account ending in XXXX on XX/XX/year>. I completed all requested verification steps, but Schwab refuses to provide a timeline for review. My funds {$2900.00} ( approximately ) remain inaccessible and I can not trade or withdraw. This is causing financial harm and risk exposure. I request that the CFPB compel Schwab to restore access promptly or provide a firm completion date with a written explanation.

Company response to consumer: Closed with explanation