vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I am requesting a reinvestigation of the reporting of this student loan, which I believe is inaccurate or incomplete.

the department of education does not report student loans to the credit bureaus 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. DEPT OF EDUCATIONXXXXT You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy.

The Privacy Act You have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692. 
I will not tolerate this XXXX, I am a litigious consumer I will not hesitate to take legal action and sue you! Yes you heard me correctly I will sue for infringement of my right to privacy for advertising this alleged debt on my consumer reports that I do not owe and you have no lawful or legal right to collect on. 
SHOW ME THE AGREEMENT AND/OR PERSONAL RESPONSIBILITY CONTRACT? SHOW ME A SOCIAL SECURITY CARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I am requesting a reinvestigation of the reporting of this student loan, which I believe is inaccurate or incomplete.

the department of education does not report student loans to the credit bureaus 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. DEPT OF EDUCATIONXXXX You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy.

The Privacy Act You have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692. 
I will not tolerate this XXXX, I am a litigious consumer I will not hesitate to take legal action and sue you! Yes you heard me correctly I will sue for infringement of my right to privacy for advertising this alleged debt on my consumer reports that I do not owe and you have no lawful or legal right to collect on. 
SHOW ME THE AGREEMENT AND/OR PERSONAL RESPONSIBILITY CONTRACT? SHOW ME A SOCIAL SECURITY CARD

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I'm in the middle of buying a home and was notified by the bank that a utility bill was added to my credit report under collections. I contacted XXXX XXXX XXXX which is the electric company that is saying I have an account with them in collections for the amount of {$2100.00}, and my credit report shows it was added on XX/XX/year>. I spoke with a representative by the name of XXXX, whom I was told handled this specific issue for XXXX XXXX XXXX and explained that I was a victim of identity theft, and that the utility account opened in my name was opened fraudulently. I let her know that I've lived at the same address in XXXX for over XXXX years and would send my lease over to prove it, along with my driver 's license. She refused and said that my lease/ driver 's license won't do anything to have the account fixed, and I let her know that I looked the company up, and that they provide utilities for people in rural Texas where I've never lived, and that my lease agreement and driver 's license would prove that I've been in XXXX for over XXXX years. She still insisted that nothing I would send would fix the fraudulent account, so I let her know that I wanted a contract with my alleged signature, along with payment information, and a bill because I've never received XXXX being it was for an address I never lived at, and she said she had nothing to send me. She claims a bill was paid by check, and when I asked what the name was on the check, she said it was paid online so she doesn't know and also claimed to have no account information for the check. I requested the address to the home they are claiming I lived at, and she said she would email me the address being that I was in the middle of driving and I was unable to write it down, and I never received that email. I was also told that I'd receive a call back which I also did not receive from her. I stated several times that the fraudulent account was affecting me in buying a house, and it did not make sense that someone can just open a fraudulent account in someone's name, and XXXX XXXX XXXX XXXX XXXX with that happening and was unable to provide any form of information to help correct the account. She proceeded to blame the government stating that it's always going to happen until they crackdown on identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OR

Complaint narrative:
CASE NUMBER : XXXX THIS IS NOT AN AUTHROIZED CHARGE. CAPITAL ONE IS VIOLATING THEIR CARDHOLDER AGREEMENT BY HOLDING ME RESPONSIBLE FOR AN UNAUTHROIZED CHARGE. 
While traveling in XXXX, I was scammed by a driver who falsely claimed to be an XXXX. He charged my card a significantly higher amount than what was agreed upon. I did not authorize this amount, and I was not provided a receipt at the time of the transaction. Any receipt provided is fraudulent and fabricated by the merchant after the fact to support this unauthorized charge. 
Updated XXXX after conversation with Capital One agent XXXX at XXXX : I was charged an ADDITIONAL FEE of {$240.00} for Hotels, Lodging, which I did not receive. I do not have a receipt for this amount because it is an unauthorized additional fee for services I did not receive. 
On XXXX I spoke with Capital One agent XXXX at XXXX and he stated the case was reopened, however minutes later it was again closed. The case continues to be closed despite the agents on the phone saying it is open. I believe this is an attempt to run out the clock on the dispute time period. 
I entered what I believed was an XXXX. The driver canceled the ride mid-trip and told us we needed to pay him directly {$20.00} via credit card. 
At the end of the ride, the driver took my card and charged a much higher amount than the agreed {$20.00}. This charge was unauthorized and an additional fee for services I did not receive. 
I have never heard of " XXXX * XXXX '' I did not knowingly engage with or authorize any transaction from this merchant. 
No receipt was provided by the driver at the time of payment. 
I attempted to address the issue directly, but the driver left immediately after processing the charge, leaving no way to resolve the dispute. 
Any receipt submitted by this merchant is fabricated and fraudulent, created solely to support an illegitimate charge. I request that Capital One provide me a copy of this so called receipt, and scrutinize its legitimacy. 
This was not a valid or consensual transaction. I did not authorize this additional fee, nor did I receive any services for this additional fee. 
Per Capital Ones policy, there is a {$0.00} liability promise on unauthorized purchases. This is an unauthorized purchase and if Capital One does not hold true to their promise I will have no choice but to escalate by : Filing a formal complaint with the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX and publicly document this incident as a long time holder of the XXXX XXXX XXXX 
As a premium card, I expect Capital One to prioritize protecting its cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am submitting this complaint against Resurgent Receivables LLC ( Original creditor XXXX XXXX XXXX  ) for reporting and potentially trading or selling my personal consumer data without my consent. XXXX XXXX XXXX  has agreed that the debt in the amount {$570.00} they will no longer attempt to collect on this debt. Resurgent Receivables LLC is reporting an account from XXXX  XXXX XXXX  as an open account despite being in collection status which is incorrect and inaccurate. This classification is inaccurate and misleading and in violation of the FCRA. A collection account should not be listed as open as it implies an active revolving or installment obligation with an available credit line. I request that the CFPB investigate Resurgent Receivables LLC handling of this data, ensure compliance with federal law and require removal of this inaccurate and unauthorized account from my file. I sent a request for validation and cease and desist letter on XX/XX/scrub> 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
During the COVID-19 pandemic, I experienced significant personal hardship due to the loss of both of my parents. During this time, I also encountered financial challenges that resulted in a few late or missed payments. However, I was under the impression that I had protections under the CARES Act, which required creditors and furnishers to offer accommodations and report accounts appropriately when consumers were impacted by COVID-19.

Under the CARES Act ( Section 4021 ), if a consumer was current on payments and received a payment accommodation ( like forbearance, deferment, or modified payment ), the account should continue to be reported as current to credit bureaus not as late. 

Despite this, I have noticed that XXXX XXXX reported late payments on my credit report during that time, even though I was affected by COVID-related hardship and tried to work with them. I was either : Not informed of my rights under the CARES Act, Denied an accommodation, Or my account was reported inaccurately after an accommodation was agreed to.

I am requesting that the CFPB review this matter and that the creditor be required to remove these negative marks, as they do not reflect the spirit or letter of the CARES Act protections during the national emergency period Thank you for your attention to this complaint and for advocating for consumers impacted during this crisis.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
During the COVID-19 pandemic, I experienced significant personal hardship due to the loss of both of my parents. During this time, I also encountered financial challenges that resulted in a few late or missed payments. However, I was under the impression that I had protections under the CARES Act, which required creditors and furnishers to offer accommodations and report accounts appropriately when consumers were impacted by COVID-19.

Under the CARES Act ( Section 4021 ), if a consumer was current on payments and received a payment accommodation ( like forbearance, deferment, or modified payment ), the account should continue to be reported as current to credit bureaus not as late. 

Despite this, I have noticed that XXXX XXXX reported late payments on my credit report during that time, even though I was affected by COVID-related hardship and tried to work with them. I was either : Not informed of my rights under the CARES Act, Denied an accommodation, Or my account was reported inaccurately after an accommodation was agreed to.

I am requesting that the CFPB review this matter and that the creditor be required to remove these negative marks, as they do not reflect the spirit or letter of the CARES Act protections during the national emergency period Thank you for your attention to this complaint and for advocating for consumers impacted during this crisis.

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 2025-07-24 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: NJ

Complaint narrative:
During the COVID-19 pandemic, I experienced significant personal hardship due to the loss of both of my parents. During this time, I also encountered financial challenges that resulted in a few late or missed payments. However, I was under the impression that I had protections under the CARES Act, which required creditors and furnishers to offer accommodations and report accounts appropriately when consumers were impacted by COVID-19.

Under the CARES Act ( Section 4021 ), if a consumer was current on payments and received a payment accommodation ( like forbearance, deferment, or modified payment ), the account should continue to be reported as current to credit bureaus not as late. 

Despite this, I have noticed that XXXX XXXX reported late payments on my credit report during that time, even though I was affected by COVID-related hardship and tried to work with them. I was either : Not informed of my rights under the CARES Act, Denied an accommodation, Or my account was reported inaccurately after an accommodation was agreed to.

I am requesting that the CFPB review this matter and that the creditor be required to remove these negative marks, as they do not reflect the spirit or letter of the CARES Act protections during the national emergency period Thank you for your attention to this complaint and for advocating for consumers impacted during this crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am formally disputing the accuracy of the XXXX XXXX account listed on my credit report ( Account ending in XXXX ). After thoroughly reviewing my credit file and the creditor 's reinvestigation response, I have identified multiple factual errors and violations of the Fair Credit Reporting Act ( FCRA ), and I request immediate correction or deletion of this account from my file.

Key Discrepancies and FCRA Violations : Inaccurate Charge-Off Reporting The account shows a charge-off dated XX/XX/XXXX, yet delinquency began in XX/XX/XXXX. Under FCRA 623 ( a ) ( 5 ), charge-offs must be reported within 180 days of the first missed payment. This timing appears to be a deliberate attempt to re-age the account, which is prohibited under federal law.

Inconsistent Balance and Payment History The balance is reported as {$8000.00} from XX/XX/XXXX to late XXXX, while showing {$0.00} payments since XX/XX/XXXX. It is impossible for a creditor to report the same balance over this long period without updating payment activity. This

violates FCRA 607 ( b ), which mandates complete and accurate data reporting. Over-Limit Charges Without Consent My credit limit was {$7200.00}, but the reported high balance is {$8000.00}. If XXXX allowed charges over my limit without documented opt-in ( as required under the CARD Act ), this constitutes unauthorized activity and unfair reporting.

Incomplete Payment History " ND '' Designation Multiple months show " ND '' ( no data ), which constitutes incomplete and unverifiable reporting. Under FCRA and XXXX Metro 2 guidelines, furnishers are obligated to report complete and consistent data.

Requested Resolution : I request the immediate deletion of this tradeline or full correction of all inaccurate, unverifiable, and incomplete data in compliance with the FCRA.

Please complete your reinvestigation within 30 days as required by law and provide written confirmation of the outcome. If this information remains unchanged, I will pursue further legal remedies for noncompliance with FCRA.

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 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: CA

Complaint narrative:
I was emailed a statement by Hunter Warfield which on the statement lists the website XXXX also XXXX XXXX XXXX  to pay bills online but the website sends me to a page that says This Connection Is Not Private and that XXXX warns you when a website has a certificate that is not valid. I just want to make sure this is a legitimate debt collection agency before I continue making payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I am a victim of Identity Theft. People other than myself were found utilizing my credit by the authorities. Charges were placed and a report was made. I have found that an address associated with people who stole my identity is reported on my credit file. A Fraud Alert has been issued placed on my file since. How can I ensure that my identity is safe if reporting agencies wont correct the information when its proven to be wrong? My rights are now being violated by these bureaus who are not following federal law when it comes to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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