vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-08-14 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: Experian Information Solutions Inc.

Complaint narrative:
I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary. 

Thank you very much for your attention to 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 2025-08-14 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: TX

Complaint narrative:
Please review this late reportit doesnt reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone got accounts in my name with different addresses. I never used these accounts, and now I want these accounts removed from my credit.

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 2025-08-14 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: NJ

Complaint narrative:
Equifax Information Services LLC has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requiring maximum possible accuracy, and 611 [ 15 U.S.C. 1681i ] requiring a reasonable reinvestigation of disputed information. Despite multiple disputes, Equifax has left inaccurate and unverifiable accounts unresolved, providing only repeated generic verified responses without conducting a true investigation or forwarding all consumer-provided evidence to furnishers. 

The Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement actions and documented systemic violations by Equifax, including failure to forward dispute documentation, acceptance of unreliable responses from furnishers, and inadequate notification of dispute results. Equifax has also been the subject of major lawsuits such as Ramirez v. TransUnion, et al. and Federal Trade Commission v. Equifax Inc., as well as multi-state Attorney General settlements related to inaccurate credit reporting and the XXXX  data breach. These legal actions confirm a pattern of negligence and disregard for consumer rights under federal law. 

These failures align directly with my experience. Equifax has neither corrected nor removed disputed items despite substantial documentary evidence I provided. I have attached all credit reports from the beginning of this year, which clearly show repeated generic verified outcomes without proper reinvestigation, in violation of the FCRA. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Background of the Issue Two separate payments in the amount of {$2900.00} each ( totaling {$5900.00} ) were taken from our insurance escrow account without proper crediting or return of funds. The first payment was sent to our homeowners insurance company, XXXX, and the second to XXXX XXXX XXXX XXXX. 
We were first alerted to a potential issue when XXXX XXXX XXXX contacted us directly and informed us that our homeowners insurance had not been paid as required by XX/XX/year>. Upon reviewing our account, we noticed that our escrow balance was negative XXXX despite sufficient funds being available prior to these transactions. 

When we contacted SPS Servicing, we learned that two separate disbursements of {$2900.00} each had been madeone to XXXX and one to XXXX XXXX. 
Urgency : Due to this error, our escrow account now has insufficient funds to pay our property insurance premium due XX/XX/year>, and can not cover our current years property taxes. This shortage is a direct result of the improper disbursement of {$2900.00} to XXXX that has not been credited back to our account. XXXX XXXX is required to avoid lapses in insurance coverage and ensure timely property tax payment. 

XXXX of Communications XX/XX/year> : Conference call between SPS XXXX, XXXX XXXX, my husband, and me. XXXX XXXX XXXX XXXX XXXX Statement Policy Issuance : Policy was issued on XX/XX/XXXX with XXXX through a managing general agent, XXXX. The annual premium was {$2900.00}. 
Payment Process : XXXX did not receive the insurance payment from SPS XXXX ( the mortgage company ). To avoid lapse, XXXX paid the premium themselves and issued a check to XXXX to cover the policy. 
Reimbursement Request : XXXX requested that SPS XXXX send them a reimbursement check for the payment they made. SPS XXXX complied and sent another check. 
Error Discovered : During a meeting with the insured, Southeastern discovered that SPS XXXX had mistakenly sent the payment to XXXX instead of Southeastern. 
XXXX XXXX : XXXX expressed willingness to assist in tracking down the status of the refund from XXXX but emphasized that the responsibility lies with SPS XXXX to correct the error and return the funds. 

I have also prepared XXXX pages of XXXX of Communications detailing the names, dates, times, and summaries of each SPS Servicing contact regarding this matter. These records are included in Appendix A Call Transcript Excerpts Audio Recordings ( Evidence ). Due to the length of these documents, they are not attached to this email but are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been reported in my name. I have no affiliation with this account and never authorized its creation. The reporting of this account is entirely false and harmful to my credit reputation.

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have no knowledge or consent of this fraudulent account. Its a result of Identity theft. XXXX XXXX XXXX XXXX Account # XXXX Original Amount {$45000.00} New Amount {$46000.00} Open XX/XX/year>. Ive attached a XXXX XXXX XXXX XXXX Report & Ftc Identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX  XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous inquiries on my credit report they were not open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is causing significant and ongoing 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Bank ( USA ), N.A. ( XXXX XXXX ) is reporting an account ending in [ last XXXX digits ] as charged off in XX/XX/year> with a balance of {$1100.00}. Despite the charge-off, the account continues to be reported with a past-due balance instead of reflecting a {$0.00} balance, misrepresenting the true tax and ownership status of the debt. 

Capital One has also re-aged this account in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines, making the negative item appear newer than it actually is. In addition, the accounts balance updated date changes each month even though no payments or activity have occurred, which is misleading and prolongs the negative impact on my credit score.

Capital One has failed to issue IRS Form 1099-C for the XXXX  tax year as required under IRS regulations when {$600.00} or more of debt is canceled. The lack of issuance of this form raises serious concerns regarding proper tax reporting and compliance with federal law. 

Furthermore, because Capital One has charged off this account and, to my knowledge, no longer owns it, they no longer have a permissible purpose under FCRA 604 to access or furnish information about my credit report. Continuing to report and update a charged-off account without a current legal right to collect or service it is a willful violation of federal law.

Equity Law & Trust/Securitization Concerns : If this account was sold or transferred into a securitized trust governed by a Pooling and Servicing Agreement ( PSA ) , Capital One must produce proof of legal ownership or servicing rights. Without producing the PSA, trust agreement, or assignment record, any reporting or enforcement is invalid under equity principles. In equity, a party can not act as a creditor or trustee of an account it no longer owns or services.

I have provided documentation, including credit reports from the beginning of this year, showing that Capital One has repeatedly verified the account without conducting a reasonable reinvestigation under FCRA 611, failed to provide the full method of verification, and continued reporting inaccurate and misleading information after disputes.

I have attached a copy of IRS Form 3949-A that I have filed with the Internal Revenue Service regarding this account, reporting Capital Ones failure to issue the required 1099-C and potential violations of federal tax law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation