vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: OR

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
. You reported a debt to the credit bureaus causing my score to go down without validating correct information. I do not owe any money as it was paid off. you are inViolation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity and reporting by validating the debt.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once. 
The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Subject : Unauthorized Hard Inquiry Dispute Reference : Experian Credit Report Hard Inquiry Removal Request To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries listed on my Experian credit report. I did not provide permission for these companies to access my credit file, nor did I sign any authorization forms that allow multiple lenders to pull my credit. 

Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry can only be reported if I directly authorized it. I am requesting that Experian investigate and remove the following inquiries unless you have a signed credit authorization from me for EACH individual company listed : Hard Inquiries to REMOVE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am disputing the following items on my Experian credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Coconut Funding Corporation
State: KS

Complaint narrative:
In XX/XX/XXXX, my small Kansas business ( redacted ) entered into a Revenue Purchase Agreement with Coconut Funding Corporation for {$20000.00} in exchange for {$31000.00} of future receivables. Coconut Funding immediately began debiting my bank account {$490.00} per day. 

From XX/XX/XXXX through XX/XX/XXXX, Coconut Funding debited my account XXXX times, each for {$490.00}, totaling {$31000.00}. My bank confirmed this in writing. This means I paid nearly the full Purchased Amount of {$31000.00}. 

Despite taking almost the entire amount owed, Coconut Funding later submitted a lawsuit in New York ( Index XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and obtained a default judgment for {$41000.00}, claiming I paid almost nothing. They did not credit any of the 63 payments. They also added excessive fees, penalties, and costs. 

I was never notified of the lawsuit, summons, or judgment, and did not have actual notice until XX/XX/XXXX, when XXXX and XXXX froze my accounts due to a restraining order initiated by Coconut Fundings attorney. I was never personally served, and Coconut Funding sent certified mail to an address where I did not receive anything. 

Coconut Funding appears to have : Misrepresented the balance owed Failed to credit payments actually received Filed an inflated judgment Used improper service Continued attempting withdrawals after XX/XX/XXXX Caused account freezes and business interruption I am filing a Motion to Vacate the judgment and requesting a full accounting. I believe Coconut Funding knowingly submitted false or misleading information to the court and is engaging in abusive merchant cash advance practices. I am requesting CFPB review, correction of the balance, removal of the judgment, and investigation into Coconut Fundings conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

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 2025-11-20 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I filed a report with Experian regarding identity theft, fraudulent inquiries, and unauthorized accounts on my credit profile. I submitted all required documentation through the CFPB portal. Despite this, Experian responded with a stall letter in my portal requesting the same documents I have already provided. 

I clearly requested that these accounts and inquiries be verified or removed, yet Experian continues to delay the process by repeatedly asking for documents Ive already furnished. This back-and-forth has been ongoing for months without resolution. 

I am resubmitting the documents again, but I am requesting that the CFPB intervene, as Experian is failing to conduct a proper and timely investigation as required. 

Items I Am Disputing on My Experian Credit Report Accounts With Late Payments/ Potentially Negative Information 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 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  Inquiries I Am Disputing these inquires they do not belong to me I have not conducted any business with thes companies these iquires are not factual and need to be removed 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

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 2025-11-20 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:
XXXX and Experian have placed a fraudulent account on my credit file. The account reads both closed XXXX balance paid in full, always on time every month and 120 days late 6 months after the account closed. The maximum credit limit was XXXX yet they claim a {$2200.00} dollar balance in Experian and now a {$2700.00} dollar balance at 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 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing is inaccurately reporting a foreclosure on my mortgage account even though the property was sold and the loan was fully satisfied through escrow on XX/XX/year>. 

Details : On XX/XX/year>, SPS reported a foreclosure that never occurred. 
The property at XXXX XXXXXXXX XXXX XXXXXXXX, PA was voluntarily sold, and the mortgage was paid in full at closing. SPS accepted the payoff. No sheriff sale, no court filing, and no foreclosure judgment exists. 

Attached are : Closing Disclosure ALTA Settlement Statement Payoff confirmation SPS email This reporting violates : FCRA 623 ( a ) ( duty to report accurate information ) FCRA 1681s-2 ( b ) ( duty to correct inaccuracies after dispute ) Metro 2 reporting guidelines RESPA servicing accuracy requirements Requested Resolution : Remove the foreclosure reporting from all bureaus Correct the account to reflect Paid in Full / SatisfiedNo Foreclosure Provide written confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( MCM ) is reporting a collection on all three major credit bureaus without ever providing proper validation, despite multiple written requests from me under FDCPA 809 ( b ). They have had more than adequate opportunity to validate and have failed. 

Therefore, I am requesting immediate deletion of the account from all bureaus. 

XXXX only sent two generic billing statements, which do not meet the legal standard for validation. They never provided proof of ownership, a contract, chain of assignment, or a full accounting. 

Despite failing to validate, they continue to report the {$1600.00} collection to Equifax, TransUnion, and Experian, which appears on my XX/XX/XXXX XXXX report and is significantly lowering my scores ( XXXX ). 

This failure is causing direct and ongoing harm to my ability to qualify for a mortgage. 

Details of the Account Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX Original Balance : {$1600.00} Current Balance : {$1600.00} Reporting On : Equifax, TransUnion, Experian What Happened ( Timeline ) XX/XX/XXXX I sent XXXX a formal debt validation request. 
XX/XX/XXXX XXXX received it. 
XX/XX/XXXX Received response sent by XXXX more than 30 days later containing only two billing statements, no proof of ownership, no assignment documentation, and no contract. Letter dated XX/XX/XXXX. 

This is not validation under FDCPA 809 ( b ). 

I have disputed this with the bureaus, yet XXXX continues verifying and reporting. 

Violations 1. FDCPA 809 ( b ) Continued collection without validating : Credit reporting is considered collection activity. They failed to validate, yet continue reporting. 
2. FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they can not verify : XXXX can not verify what they are furnishing. 
3. FCRA 623 ( b ) Failure to reasonably investigate disputes : Despite multiple disputes, they continue to verify unsupported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: MI

Complaint narrative:
All three credit bureaus are reporting the same inaccurate payment history for my student loan. The reports show my account as current in XX/XX/2025, but then suddenly 90 days late in XX/XX/2025 and 120 days late in XX/XX/2025. This sequence is not possible. A borrower can not be 90 days delinquent in XXXX unless they were already 30 days delinquent in XXXX and 60 days delinquent in XXXX. Reporting XX/XX/2025 as current and then reporting XXXX as 90 days late is an internally inconsistent and factually inaccurate payment history. 

Because all three bureaus show the identical incorrect pattern, the inaccurate information was provided by the loan servicer in a batch file. I am disputing the accuracy of the dates and delinquency codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XX/XX/year>, I used an ATM with my debit card and withdrew {$300.00} which was posted XX/XX/year>. Then on XX/XX/year> a withdrawal of {$2700.00} was posted with a backdate of XX/XX/year>, and was made from that atm out of my account. I have a {$400.00} withdrawal limit on that debit card and that transaction should not have gone through. After multiple attempts to report this Fraud, Wells Fargo still is refusing to call it fraud and pay me back. Wells Fargo has done nothing but stonewall me on this for now 2 months. My fraud claim reference number is 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 monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I deposited 2 checks from my mother in my USAA checking account from her XXXX account on XX/XX/XXXX ( $ XXXX ) and XX/XX/XXXX ( {$35.00} ). On XX/XX/XXXX USAA rejected the $ XXXX check and froze my account. After 2 hours on with various representatives, I found out that they are waiting for the {$35.00} check to be returned and have decided to freeze my entire account so I no longer can use the {$1400.00} in the account and multiple bills that are automated will fail this month. One of them is an automatic 401k loan repayment, which might trigger penalties, interest, and taxes as well as a reduction in my credit score.

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