vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I think Capitalone open up a new card under my name, but they refused to verify my identity over the phone, claiming that the various phones I utilize can not be sent text message codes ( which is a lie ). I sent a front of my license and now they want the back. I have other credit cards that made it simpler for me to be sent replacement cards. They refused to send me a new physical card even at my request, but will allow me to pay my bill. So, they can charge me money, but I can not use the card. They even declined an attempt to use my virtual card on XXXX. I think I lost my card on XX/XX/XXXX or the Friday before. Also, back in XXXX, I was told since I have been a long loyal customer, I would not be charged any annual fees from then on as a courtesy for my complaints. For the last several years, they have added annual fees again even though they said they would not. I have called customer service on the day of me losing the card, and many times since. They last time I spoke to customer service was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
XXXX continues to report a delinquent student loan on my credit reports even though I lawfully XXXX the debt and submitted a valid IRS Form 1099-C. The loan was originally serviced by XXXX ( XXXX ), and I never consented to or signed any contract with XXXX. Despite multiple written requests, XXXX has failed to provide the original Master Promissory Note or any legal documentation showing that they have the authority to collect on this debt or report it to credit bureaus. 

Furthermore, federal law strictly prohibits credit reporting agencies from reporting derogatory account information that is more than 7 years old. These student loans have exceeded that 7-year limit by several years, making their continued appearance on my credit reports a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ). All three major credit bureausXXXX, TransUnion, and XXXX formally notified of the outdated and XXXX status of the account. Each failed to take proper corrective action following their respective investigations, which constitutes further violation of federal law. 

In addition, this account has been lawfully transferred and assigned to The XXXX XXXX XXXX XXXX, a private irrevocable trust, of which I am the sole trustee. All rights, titles, and interests related to the alleged debt are now held by the trusXXXX XXXX  continued collection attempts, false credit reporting, and refusal to recognize the trusts authority not only violate the FCRA, but also constitute unlawful interference with trust property and breach of fiduciary and contractual obligations. XXXX has no standing or lawful authority to disregard the trusts protective status or to override the legal authority of its trustee. 

I have attached supporting documentation, including : A copy of the IRS-accepted Form 1099-C, showing lawful cancellation of the debt ; A certified Trust Instrument and Declaration of Trust Authority for The XXXX XXXX XXXX XXXX XXXX Prior correspondence and CFPB complaint records showing XXXX  repeated noncompliance ; Copies of recent credit reports showing the continued illegal reporting beyond the 7-year limit ; A written demand to XXXX for validation and proof of authority, which remains unanswered. 


At this point, XXXX actions are deliberate, harmful, and unlawful. I am demanding immediate removal of all negative reporting associated with this XXXX and trust-owned account, full correction across all three credit bureaus, and formal acknowledgment that XXXX lacks lawful authority to collect or report on this matter.

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 2025-07-31 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: CA

Complaint narrative:
XXXX continues to report a delinquent student loan on my credit reports even though I lawfully XXXX the debt and submitted a valid IRS Form XXXX. The loan was originally serviced by XXXX ( XXXX ), and I never consented to or signed any contract with XXXX. Despite multiple written requests, XXXX has failed to provide the original Master Promissory Note or any legal documentation showing that they have the authority to collect on this debt or report it to credit bureaus. 

Furthermore, federal law strictly prohibits credit reporting agencies from reporting derogatory account information that is more than 7 years old. These student loans have exceeded that 7-year limit by several years, making their continued appearance on my credit reports a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ). All three major credit bureausExperian, XXXX XXXX XXXXXXXX formally notified of the outdated and XXXX status of the account. Each failed to take proper corrective action following their respective investigations, which constitutes further violation of federal law. 

In addition, this account has been lawfully transferred and assigned to The XXXX XXXX XXXX XXXX, a private irrevocable trust, of which I am the sole trustee. All rights, titles, and interests related to the alleged debt are now held by the trust. XXXX continued collection attempts, false credit reporting, and refusal to recognize the trusts authority not only violate the FCRA, but also constitute unlawful interference with trust property and breach of fiduciary and contractual obligations. XXXX has no standing or lawful authority to disregard the trusts protective status or to override the legal authority of its trustee. 

I have attached supporting documentation, including : A copy of the IRS-accepted Form 1099-C, showing lawful cancellation of the debt ; A certified Trust Instrument and Declaration of Trust Authority for The XXXX XXXX XXXX XXXX XXXX Prior correspondence and CFPB complaint records showing MOHELAs repeated noncompliance ; Copies of recent credit reports showing the continued illegal reporting beyond the 7-year limit ; A written demand to XXXX for validation and proof of authority, which remains unanswered. 


At this point, XXXX  actions are deliberate, harmful, and unlawful. I am demanding immediate removal of all negative reporting associated with this XXXX and trust-owned account, full correction across all three credit bureaus, and formal acknowledgment that XXXX lacks lawful authority to collect or report on this matter.

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 2025-07-31 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: CA

Complaint narrative:
XXXX continues to report a delinquent student loan on my credit reports even though I lawfully XXXX the debt and submitted a valid IRS Form 1099-C. The loan was originally serviced by XXXX ( XXXX ), and I never consented to or signed any contract with XXXX. Despite multiple written requests, XXXX has failed to provide the original Master Promissory Note or any legal documentation showing that they have the authority to collect on this debt or report it to credit bureaus. 

Furthermore, federal law strictly prohibits credit reporting agencies from reporting derogatory account information that is more than 7 years old. These student loans have exceeded that 7-year limit by several years, making their continued appearance on my credit reports a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ). All three major credit bureausXXXX XXXX  and Equifaxwere formally notified of the outdated and XXXX status of the account. Each failed to take proper corrective action following their respective investigations, which constitutes further violation of federal law. 

In addition, this account has been lawfully transferred and assigned to The XXXX XXXX XXXX XXXX, a private irrevocable trust, of which I am the sole trustee. All rights, titles, and interests related to the alleged debt are now held by the trust. XXXX continued collection attempts, false credit reporting, and refusal to recognize the trusts authority not only violate the FCRA, but also constitute unlawful interference with trust property and breach of fiduciary and contractual obligations. XXXX has no standing or lawful authority to disregard the trusts protective status or to override the legal authority of its trustee. 

I have attached supporting documentation, including : A copy of the IRS-accepted Form 1099-C, showing lawful cancellation of the debt ; A certified Trust Instrument and Declaration of XXXX XXXX for The XXXX XXXX XXXX XXXX XXXX Prior correspondence and CFPB complaint records showing MOHELAs repeated noncompliance ; Copies of recent credit reports showing the continued illegal reporting beyond the 7-year limit ; A written demand to XXXX for validation and proof of authority, which remains unanswered. 


At this point, XXXX actions are deliberate, harmful, and unlawful. I am demanding immediate removal of all negative reporting associated with this XXXX and trust-owned account, full correction across all three credit bureaus, and formal acknowledgment that XXXX lacks lawful authority to collect or report on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
A charged-off account originally opened in XXXX is now being falsely reported as opened in XXXX by the furnisher and/or credit bureau. This is a clear violation of FCRA 605 ( c ), known as illegal reaging. I submitted a dispute, but the inaccurate date remains on my report, making an old debt appear recent. The furnisher has not provided documentation validating this new open date, nor did they correct it when challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Churchill Holdings, Inc.
State: TX

Complaint narrative:
I closed on a home on XX/XX/year>, with a USDA loan originated by Churchill Mortgage. My Closing Disclosure ( Section G ) clearly states that {$2100.00} was paid into escrow at closing, funded through seller credit. It also shows that my first mortgage payment was due XX/XX/year>. 

Despite this, Churchill sent me an invoice for {$2100.00}, and processed a full mortgage payment on XX/XX/year>, including {$560.00} for escrow a full month before any payment was due. I paid in good faith, believing this was required. 

That XX/XX/XXXX payment was then passed to XXXXXXXX XXXX my current loan servicer. As of today, XXXXXXXX XXXX system shows only this one escrow payment reflected not the escrow paid at closing. My current escrow balance is {$2700.00}, which reflects only the XX/XX/XXXX payment, not the {$2100.00} funded at closing. 

This raises two major concerns : Churchill invoiced and collected a payment prematurely, which was not contractually due The closing-funded escrow is missing, resulting in a potentially misapplied or lost escrow deposit I am requesting a formal investigation into Churchills invoicing and collection practices, and whether they failed to correctly forward or report the closing escrow payment when transferring the loan to XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I submitted a formal dispute to Equifax regarding an inaccurately reported bankruptcy ( Case # XXXX ) that appears on my credit report. This public record is unverifiable under the Fair Credit Reporting Act ( FCRA ), and Equifax has failed to provide sufficient evidence of any lawful, direct verification with the original source ( i.e., the U.S. Bankruptcy Court ). 
Under FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to conduct a reasonable reinvestigation when an item is disputed. Equifax continues to report this bankruptcy despite my notification that the U.S. Bankruptcy Court does not verify records for credit reporting agencies. The continued use of indirect sources like XXXX or XXXX fails to satisfy the legal requirement for maximum possible accuracy under FCRA 1681e ( b ). 
Furthermore, Equifax has not complied with FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of any item that can not be verified. No certified documentation linking this bankruptcy to me has been provided. I have demanded the original verification sources, including : The name and contact information of the furnisher The method of verification Any original or certified court documents used during the reinvestigation To date, I have received no such documentation. 
Legal precedent ( e.g., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) confirms that CRAs must conduct more than automated reviews or rely solely on third-party data when verifying disputed public records. The continued reporting of this item without first-hand, verified evidence from the U.S. Bankruptcy Court constitutes a willful or negligent violation of FCRA requirements, entitling me to statutory relief under 1681n and 1681o. 
This is my second and final dispute. Ive included all required documentation ( photo ID, utility bill, SSN card ) and explicitly requested a manual reinvestigation. I also do not consent to the use of e-OSCAR or any automated dispute handling system. I made clear that all information and disputes were submitted by me personally and not through a credit repair organization. 
Equifaxs continued failure to correct or delete this inaccurate and unverifiable bankruptcy is causing me financial and reputational harm and violates multiple provisions of federal law. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Experian reinserted multiple fraudulent accounts that were previously removed from my credit file without providing me with the legally required notice within five business days, as mandated by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ). These accounts are the result of identity theft, and I previously submitted an FTC Identity Theft Report ( Report No. XXXX ), valid supporting identification, and other dispute documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires such information to be blocked. 
Despite this, the following accounts were reinserted into my credit report : XXXX XXXX XXXX | Acct : XXXX | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX I received no notification of reinsertion, a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ). Experian also failed to provide evidence of a reasonable reinvestigation as required by 1681i ( a ) ( 1 ) ( A ) and did not supply verification procedures or the name of the furnisher, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Furthermore, Experian has not provided any original signed contracts or source documentation proving I opened or authorized these accounts. Simply relying on the e-OSCAR system or automated templates is not a legally compliant investigation under the FCRA, as confirmed by multiple court rulings. Experian has not fulfilled its duty under FCRA 1681e ( b ) to maintain maximum possible accuracy, nor has it complied with 609 ( a ) ( 2 ), which gives me the right to know the sources of the disputed information. 
I have submitted all supporting documentation ( FTC report, ID, proof of address, prior disputes letters ) multiple times. These accounts should have been permanently deleted or blocked. Their reinsertion without verification and without notice is a serious procedural violation. 
Thanks for your help in this matter.

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 2025-07-31 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: Kikoff Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the above-referenced account currently reporting on my credit file. This letter serves as my notice under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ], requesting that you investigate and remove the account if it can not be fully verified and validated.

Upon reviewing my credit report, I noticed that a Kickoff Loan account is being reported inaccurately or without my full authorization and verification. I am requesting a thorough investigation of this account and its removal from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
CFPB Complaint Statement Violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/year>XXXX  Last 4 SSN : XXXX Summary of Complaint I am filing this formal complaint against Experian, Equifax, and TransUnion for their collective failure to maintain accurate credit reporting data and to respond appropriately to a legally valid dispute submitted under the Fair Credit Reporting Act ( FCRA ). 

After obtaining my credit reports from XXXX, I identified several inaccurate or unverifiable items related to both personal identifying information and tradelines. I submitted a proper dispute request, along with my identification and supporting documentation, but the bureaus have failed to comply with their obligations under federal law. 

Issues Reported Incorrect Personal Information : Inaccurate Employer : XXXX  Inaccurate Employer : XXXXXXXX XXXX XXXX Inaccurate or Unverifiable Accounts : Collection XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA The credit bureaus failed to comply with the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request 15 U.S.C. 1681g : Failure to provide full consumer file disclosure upon request

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 2025-07-31 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:
CFPB Complaint Statement Violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/year>XXXX  Last 4 SSN : XXXX Summary of Complaint I am filing this formal complaint against Experian, Equifax, and TransUnion for their collective failure to maintain accurate credit reporting data and to respond appropriately to a legally valid dispute submitted under the Fair Credit Reporting Act ( FCRA ). 

After obtaining my credit reports from XXXX, I identified several inaccurate or unverifiable items related to both personal identifying information and tradelines. I submitted a proper dispute request, along with my identification and supporting documentation, but the bureaus have failed to comply with their obligations under federal law. 

Issues Reported Incorrect Personal Information : Inaccurate Employer : XXXX  Inaccurate Employer : XXXXXXXX XXXX XXXX Inaccurate or Unverifiable Accounts : Collection XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA The credit bureaus failed to comply with the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request 15 U.S.C. 1681g : Failure to provide full consumer file disclosure upon request

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