vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint as my third formal follow-up dispute regarding multiple inaccurate, misleading, and unverifiable items that continue to appear on my Equifax, Experian, and TransUnion credit reports. Despite my prior dispute, these accounts and inquiries remain and continue to negatively impact my credit profile, financial standing, and ability to obtain credit fairly. This letter is not a request for correction or reinvestigation ; it is a formal demand for immediate and permanent removal of all disputed items. 
My XXXX of XXXX accounts, including XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX and XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are reported with a balance of {$20000.00} across all three bureaus ( XXXX XXXX, and TU ). These accounts are charged-off without the issuance of a 1099-C for debts exceeding {$600.00}, which is a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Reporting these accounts as charged-off in this manner is materially inaccurate and misleading and violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which governs the duties of furnishers to provide accurate information, and 15 U.S.C. 605B / 1681c-2, which governs reporting of discharged debts. Continued reporting of these accounts without removal constitutes a violation of federal law and is causing ongoing harm to my creditworthiness. 
Additionally, multiple unauthorized hard inquiries remain on my reports. These include 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 on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion. None of these inquiries were authorized by me, and their continued reporting violates FCRA 604 ( a ), 604 ( f ), and 619 ( 15 U.S.C. 1681b, 1681q ).

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 2025-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no ties to these accounts and formally request their removal within 15 days under the Fair Credit Reporting Act.

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 2025-12-24 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: NY

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law. 

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-24 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: PA

Complaint narrative:
I am submitting this third formal dispute regarding multiple inaccuracies currently appearing on my Equifax, TransuUnion and Experian credit report. Despite prior disputes and the supporting documentation I have provided, these items remain inaccurately reported and continue to misrepresent my credit history. The repeated failure to correct these errors has caused substantial frustration and is negatively impacting my financial reputation, creditworthiness, and ability to obtain fair credit. The continued reporting of this inaccurate information is inconsistent with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), and I am requesting a full reinvestigation, correction, and updating of all inaccurate entries to ensure my credit report reflects accurate, complete, and verifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this third formal dispute regarding multiple inaccuracies currently appearing on my Equifax, TransuUnion and Experian credit report. Despite prior disputes and the supporting documentation I have provided, these items remain inaccurately reported and continue to misrepresent my credit history. The repeated failure to correct these errors has caused substantial frustration and is negatively impacting my financial reputation, creditworthiness, and ability to obtain fair credit. The continued reporting of this inaccurate information is inconsistent with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), and I am requesting a full reinvestigation, correction, and updating of all inaccurate entries to ensure my credit report reflects accurate, complete, and verifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-12-24 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: Harley Davidson Financial Services Inc
State: AZ

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid Capital one a settlement on XX/XX/year>. They only updated my account as a payment made and not SETTLE IN FULL FOR LESS THE BALANCE. I disputed the account and they failed to update. I paid XXXX on XX/XX/year> by debit card and they said this would updated on my credit report as settled in full. My report still shows a balance of XXXX, when that was not the agreement. The agreement was to pay XXXX and the balance will be consider paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint regarding Capital Ones reporting of late payments, charge-off and/or closed account information that I have formally disputed. 

Prior to the account being reported negatively, I provided Capital One with notice and documentation of medical hardship and loss of employment and requested assistance, accommodation, or alternative payment options. Despite this notice, Capital One failed to offer or document any reasonable hardship assistance, payment modification, or loss-mitigation efforts. The account was reported negatively after hardship documentation had already been provided. 

I have since disputed the accuracy and completeness of this reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Capital One has failed to provide documentation validating the accuracy of the late payments, charge-off status, balance reporting, or the Date of First Delinquency. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reasonable cause to believe is inaccurate. Additionally, failure to reasonably investigate disputed information violates FCRA 623 ( b ). 

If Capital One can not fully substantiate the accuracy of all reported information, including proof of compliance with hardship assistance obligations and XXXX XXXX reporting standards, the law requires immediate correction or deletion of the late payments, charge-off, and any related negative reporting. 

I am requesting CFPB assistance to : Require Capital One to conduct a full investigation Enforce correction or deletion of any unverifiable or inaccurate information Address the failure to provide hardship assistance after documented job loss and medical hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: OH

Complaint narrative:
FirstPoint Collection Services is reporting a collection account related to a XXXX utility bill without providing required validation or complete, accurate information. 
The tradeline lacks key details necessary to verify the debt, including documentation of the service address, billing period, and itemization supporting the reported balance. No payment history is displayed, and the account continues to be reported despite the absence of proper validation. 
I disputed this account and requested verification. FirstPoint has continued to furnish the collection to the credit reporting agencies without providing the required information to substantiate the debt. 
This incomplete and unverified reporting is inaccurate and misleading and has caused ongoing harm to my credit profile, including interference with employment and military eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. My personal information was exposed in a data breach, and as a result, several fraudulent accounts and inquiries appeared on my credit reports without my knowledge or consent. 

I did not open these accounts, authorize any of these inquiries, or benefit from them in any way. Upon discovering the activity, I filed official Identity Theft Reports with the Federal Trade Commission on [ XX/XX/year> of FTC reports ]. I also contacted the credit reporting agencies to dispute the fraudulent accounts and requested that all information related to them be blocked and permanently removed. 

Despite my disputes and formal requests, some of the fraudulent accounts and inquiries remain on my reports. I am requesting that the companies involved investigate the situation thoroughly and take immediate corrective action to remove all unauthorized information and prevent any further reporting of these fraudulent accounts.

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 2025-12-24 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: OH

Complaint narrative:
I am a victim of identity theft. My personal information was exposed in a data breach, and as a result, several fraudulent accounts and inquiries appeared on my credit reports without my knowledge or consent. 

I did not open these accounts, authorize any of these inquiries, or benefit from them in any way. Upon discovering the activity, I filed official Identity Theft Reports with the Federal Trade Commission on [ XX/XX/year> of FTC reports ]. I also contacted the credit reporting agencies to dispute the fraudulent accounts and requested that all information related to them be blocked and permanently removed. 

Despite my disputes and formal requests, some of the fraudulent accounts and inquiries remain on my reports. I am requesting that the companies involved investigate the situation thoroughly and take immediate corrective action to remove all unauthorized information and prevent any further reporting of these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: WI

Complaint narrative:
Being told offers are are given and I call and get the offer and they say it's no longer offered. I keep getting offers. I got XXXX today again. Please reconnected documents. I get called from spoof numbers, told different amounts. My car is repossessed once and I never got a notice to cure. I paid all the back to be up to date and then I was offered these offers and they said they're not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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: TX

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I recenty review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
Called in on XX/XX/year> asked to pay off lowest balance. They applied payment incorrectly. Customer service is atrocious

Company response to consumer: Closed with explanation