vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased this vehicle XXXX XXXX I got a loan through Capital One Auto Finance XXXX my payments were in the XXXX  range then about four years into the note they dropped it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  each time I make a payment I receive confirmation that the payment was received, then within a day I'm receiving a text that my payment was returned to my account and it's not there I made a payment on XX/XX/XXXX I received notice from capital one the payment was returned to my account, I also bank with Capital One I spoke to a representative and she check and stated that the payment was not in the account, nor was it returned to that account. Now this happens every month and I make extra payment toward the principal and extra toward the interest. 
I contact capital one today about this matter and I was told I was behind on my payments this isn't possible knowing I just paid my auto note for XXXX again this isn't the first time, and I'm at my wits ends with this company. I drive a XXXX there is an auto loan tracker on their website and its stated that I have paid XXXX, and there is XXXX left on the loan and the final payment is projected due in XXXX that is a lot of money for a XXXX and to keep loosing my payments is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I submitted a dispute directly to TransUnion regarding inaccurate information on my credit report. I waited over 30 days, as required under the Fair Credit Reporting Act ( FCRA ), but the investigation was not completed in time. 

Instead, I received an interim response from TransUnion stating they would take up to 60 days. I did not send any new documentation after the original dispute, so they had no legal basis to extend the investigation. 

Because more than 30 days have passed with no final decision, I am now filing this CFPB complaint to report TransUnions noncompliance with the FCRA. 

I am requesting that the disputed item be immediately deleted from my credit file due to their failure to verify the information within the legal timeframe.

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 2025-06-14 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: MS

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

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I noticed collection account listed on my credit report that I did not open. The account was opened with [ Caine & Weiner ] and had a balance of {$590.00}. I contacted the company, but they claimed the account was verified. I have also placed a fraud alert with the credit bureaus and filed a report with the FTC. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We were in loss mitigation since last year. Our account still shows Loss Mitigation. However, our loan is with the VA and we filed, got approved, and signed all notarized documents to transfer the loan to the VA. This process was supposed to begin in XXXX or XX/XX/year>. Every time we call or send a message, we get the same response. There is no status update. This process was supposed to be completed months ago. Yet, we are still making higher payments to Freedom Mortgage when we were supposed to be paying the VA by now. 
Can we please get an update on our loan being transferred? XX/XX/XXXX was supposed to be our first payment to the VA, yet we are still paying Freedom Mortgage. Why is this taking so much longer than we were told? We would appreciate this being taken care of because our monthly payments are much more than we expected with the transfer. We need this account to transfer immediately. Thank you. 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 2025-06-14 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX Date : XXXX/XXXX/25

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 2025-06-14 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX XXXX XXXX accounts serviced by XXXX. As of XX/XX/year>2025, all four of my XXXX XXXX  accounts were reported as current. I made a payment on XX/XX/scrub> 2025. Despite this, XXXX reported to Equifax in XX/XX/year>2025 that the last payment was made in XXXX 2025 and subsequently marked three of the four loans as 90 days past due. This is a factual error. 

Additionally, during this time, XXXX transitioned to a new servicing platform and removed me from autopay without notifying me. I was not informed that my automatic payments were discontinued, nor was I provided with any billing statement or delinquency notice. Under the Fair Credit Reporting Act ( FCRA ), all credit reporting must be accurate and up to date. Further, under 15 U.S. Code 1666b, a creditor can not treat a payment as late unless a billing statement has been sent at least 21 days before the due date. XXXX failed to meet this requirement. 

Even more concerning is the inconsistency in reporting. One of the four loans ( {$3100.00} balance ) is being reported as " paid as agreed, '' while the other three are marked as 90 days late. Since all four loans are managed under the same XXXX account, it is contradictory and inaccurate to report different payment statuses unless they are billed and tracked independently which they are not. This inconsistency further supports my claim that the 90 day late marks are a servicing and reporting error. 

This misreporting has caused significant harm to my credit profile, resulting in a drop in my credit score from XXXX to XXXX. I have included supporting documentation verifying my payment on XX/XX/year>2025, and showing that my loans were current through XXXX  2025.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX XXXX XXXX accounts serviced by XXXX. As of XX/XX/year>2025, all four of my XXXX XXXX accounts were reported as current. I made a payment on XX/XX/year>2025. Despite this, XXXX reported to XXXX  in XX/XX/year>2025 that the last payment was made in XX/XX/year>2025 and subsequently marked three of the four loans as 90 days past due. This is a factual error.

Additionally, during this time, XXXX  transitioned to a new servicing platform and removed me from autopay without notifying me. I was not informed that my automatic payments were discontinued, nor was I provided with any billing statement or delinquency notice. Under the Fair Credit Reporting Act ( FCRA ), all credit reporting must be accurate and up to date. Further, under 15 U.S. Code 1666b, a creditor can not treat a payment as late unless a billing statement has been sent at least 21 days before the due date. XXXX failed to meet this requirement. 

Even more concerning is the inconsistency in reporting. One of the four loans ( {$3100.00} balance ) is being reported as " paid as agreed, '' while the other three are marked as 90 days late. Since all four loans are managed under the same XXXX account, it is contradictory and inaccurate to report different payment statuses unless they are billed and tracked independently which they are not. This inconsistency further supports my claim that the 90 day late marks are a servicing and reporting error. 

This misreporting has caused significant harm to my credit profile, resulting in a drop in my credit score from XXXX to XXXX. I have included supporting documentation verifying my payment on XX/XX/year>2025, and showing that my loans were current through XX/XX/year>2025.

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 2025-06-14 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX XXXX XXXX accounts serviced by XXXX. As of XX/XX/scrub> 2025, all four of my XXXX XXXX accounts were reported as current. I made a payment on XX/XX/year>2025. Despite this, XXXX reported to XXXX  in XX/XX/scrub> 2025 that the last payment was made in XX/XX/year>2025 and subsequently marked three of the four loans as 90 days past due. This is a factual error. 

Additionally, during this time, XXXX transitioned to a new servicing platform and removed me from autopay without notifying me. I was not informed that my automatic payments were discontinued, nor was I provided with any billing statement or delinquency notice. Under the Fair Credit Reporting Act ( FCRA ), all credit reporting must be accurate and up to date. Further, under 15 U.S. Code 1666b, a creditor can not treat a payment as late unless a billing statement has been sent at least 21 days before the due date. XXXX failed to meet this requirement. 

Even more concerning is the inconsistency in reporting. One of the four loans ( {$3100.00} balance ) is being reported as " paid as agreed, '' while the other three are marked as 90 days late. Since all four loans are managed under the same XXXX account, it is contradictory and inaccurate to report different payment statuses unless they are billed and tracked independently which they are not. This inconsistency further supports my claim that the 90 day late marks are a servicing and reporting error. 

This misreporting has caused significant harm to my credit profile, resulting in a drop in my credit score from XXXX to XXXX. I have included supporting documentation verifying my payment on XX/XX/year>2025, and showing that my loans were current through XX/XX/year>2025.

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 2025-06-14 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: MN

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: VA

Complaint narrative:
My husband and I received a collection notice froXXXX XXXX XXXX  XXXX on XX/XX/XXXX regarding a debt allegedly owed to XXXX XXXX. Since my balance with XXXX XXXX  was {$0.00} at the end of my lease period ( XX/XX/XXXX ), this debt is inaccurate. Additionally, XXXX XXXX made no mention of any outstanding balance when we were last in contact with them on XX/XX/XXXX and XXXX, XXXX. I disputed the debt via certified mail on XX/XX/XXXX and requested validation. I received no response or supporting documentation. Despite this, I.Q. Data XXXX reported the unvalidated debt to XXXX  in XX/XX/XXXX, causing a XXXX drop in my XXXX XXXX. This collection was also reported to Equifax. This violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The original creditor ( XXXX XXXX  ) never informed me of any outstanding balance after lease termination, and no debt was owed. I request the removal of this unverified collection and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TN

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

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I created a PayPal account to receive payments for my freelance work. After submitting my drivers license and personal details to verify my identity, PayPal temporarily blocked my account, stating there was a duplicate account created using my name. They requested that I verify my linked XXXX bank account by sharing data through their third-party service. 

After completing the XXXX verification process, my PayPal account was permanently deleted without any clear explanation. Since then, I have lost access to funds that were in the account, and PayPal has not provided any information about what happened to my money or how I can retrieve it. 

I have reached out to PayPal customer support multiple times, providing all requested documents and information, but have received only vague responses and no clear resolution. This situation has caused me financial harm and has prevented me from accessing money that rightfully belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HomeServices of Iowa
State: NJ

Complaint narrative:
This company XXXX XXXX is trying to collect a debt that I didnt borrow from said company as an assignee from the company. Ive asked for validation in writing and havent received it and yet Im being sued. This debt has also negatively affected my credit and impacted my life leaving me unable to rent an adequate apartment for me and my young children among other things.

Company response to consumer: Untimely response