vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
b'I am filing this formal complaint because multiple inaccurate, fraudulent, and unverifiable items are being reported on my consumer credit files. These errors are causing me financial harm and directly violate the Fair Credit Reporting Act (FCRA), including Sections 602, 607, 609, 611, and 623.\n\nI am requesting the CFPBs immediate involvement to force the credit bureaus and the furnishers to properly investigate and permanently correct/delete the following items:\n\n1. WRONG ADDRESSES (NOT MINE  REQUESTED FOR DELETION)\n\nThe following addresses do not belong to me and have XXXX  connection to my identity or residence history.\nI request complete deletion under FCRA 602 & 609 (accuracy and identity protection)XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXThese addresses are inaccurate and compromising the integrity of my consumer file.\n\n2. COLLECTION & CHARGE-OFF ACCOUNTS (I HAVE NO KNOWLEDGE OF THESE ACCOUNTS REQUEST FULL DELETION)\n\nUnder FCRA 609 & 611, I am demanding deletion, as I have no knowledge of the accounts below and they are unverifiableXXXX XXXX XXXX XXXX  Be Assigned XXXX XXXX CollectionXXXX XXXX XXXX XXXX   Assigned XXXX XXXX  CollectionXXXX XXXX XXXX XXXX  Assigned XXXX XXXX  CollectionXXXX XXXX XXXX   Open XXXX XXXX Charge OffXXXX XXXX  Assigned XXXX XXXX  CollectionXXXX XXXX XXXX XXXX  Assigned XXXX XXXX  CollectionXXXX XXXX XXXX XXXX  Open XXXX XXXX   Charge Off\n\nThese accounts are not mine, not authorized by me, and must be deleted as they fail to meet FCRAs verification and accuracy standards.\n\n3. LATE PAYMENT ACCOUNTS (INACCURATE  I HAVE NEVER BEEN LATE, REQUEST CORRECTION)\n\nThe following accounts are reporting false late payments, which is a violation of FCRA 607(b) (maximum accuracy)XXXX XXXX   Open XXXX  XXXX   Late PaymenXXXX XXXX XXXX XXXX  Open XXXX XXXX   Late PaymentXXXX XXXX XXXX  OpeXXXX XXXX XXXX  Late Payment\n\nI have never made a late payment on these accounts. I demand immediate correction of all inaccurate payment history.\n\nFCRA VIOLATIONS INCLUDED\n\nFCRA 602: Failure to maintain maximum accuracy\n\nFCRA 607: Failure to ensure accurate reporting\n\nFCRA 609: Failure to provide verifiable information\n\nFCRA 611: Failure to conduct reasonable investigation\n\nFCRA 623: Furnishers reporting inaccurate information\n\nREQUESTED ACTION BY CFPB\n\nI respectfully request the CFPB to require the credit bureaus and furnishers to:\n\nDelete all wrong addresses listed above.\n\nDelete all collection and charge-off accounts that I have no knowledge of.\n\nCorrect all inaccurate late payment reporting.\n\nProvide me with written confirmation of completed corrections and deletions.\n\nThank you for your time and assistance. I am requesting a full investigation as allowed under the FCRA.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
Under 15 USC 1692c, you violated my rights by unlawful communications. This collection is invalid. Remove it from my credit report immediately or I will pursue all legal remedies available.

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 2025-11-17 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 am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my Experian credit report. Below are the details of the accounts in question : Charged Off Accounts : Bankruptcy Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-17 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: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

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 2025-11-17 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 submitting this dispute for accounts that I believe to be inaccurate or incomplete on my credit report from Experian. Below are the accounts in dispute : Charged Off Accounts XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$320.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$60.00XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$170.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$110.00} XXXX, Account # XXXX XXXX, Date : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$73.00} XXXX Account # : XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # : XXXX XXXX Date : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account # : XXXX XXXX Date : XX/XX/XXXX, Balance : {$300.00} XXXXXXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$3100.00}

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am disputing a rental debt for an apartment in XXXX that was opened under my name without my knowledge or authorization. I recently began receiving collection notices from Fair Collections & Outsourcing for a balance that I do not owe. 

The account does not make sense for several reasons. At the time the alleged lease was created, I did not have a Social Security Number, and I had never applied for or rented any property in XXXX. I had no involvement in signing a lease, living in the unit, or making any payments on this account. 

I only learned about this issue when the collection agency contacted me. I have never received any prior notices about this rental, and I have no documents linking me to it. Because I did not open this account, I believe my identity was used fraudulently. 

I am requesting that the company provide full documentation of the lease, the application used to open the account, and any identification that was provided. I am also requesting that all collection activity be paused while this matter is investigated and that this account be removed from any records connected to me.

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 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the information in my credit report regarding the following accounts that I believe to be inaccurate. The details are listed below, separated by bureau : Charged Off Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00} DEPT OF EDUCATION/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1200.00} DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : Not provided XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : Not provided XXXX  XXXX Account Number : XXXXXXXX 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
There were fraudulent charges on my account that were placed. I filed a claim on XX/XX/XXXX. I also filled a police report and a claim with my identity theft company life lock. After investigation and submitting the police report I was denied the claim around the XX/XX/XXXX and was scheduled to have the claim amount taken from my account on XX/XX/XXXX. I filed an appeal the following day and received notification on XX/XX/XXXX that my claim was denied again and scheduled to have my claim amount taken out on XX/XX/XXXX. I then requested and extension date and payment was extended to XX/XX/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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-17 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: GA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my name is : XXXX XXXX property address XXXX XXXX  XXXX XXXX XXXX new york XXXX loan number XXXX bank of America is my mortgage servicer. I attempted to make an additional payment and asked for it to be applied directly toward the principal balance of my loan. The bank refused to accept the principal-only payment. 

Because of this refusal, I can not reduce my principal balance, and therefore the bank is also refusing to recalculate and lower my monthly mortgage payment, even though reducing principal should reduce the balance owed. 

I believe this is a mortgage servicing error. I have been able to make principal-only payments in the past, so I do not understand why the bank is refusing now. The representatives did not provide a clear or accurate explanation. 

I am requesting that the CFPB require Bank of America to : Accept and properly apply my additional payment to principal only. 

Provide a written explanation for refusing my principal reduction. 

Recalculate my monthly mortgage payment if the principal balance has been reduced. 

Correct any servicing errors and follow federal servicing rules. 

I believe this may violate federal laws, including : RESPA / Regulation X ( 12 CFR 1024 ) servicers must apply payments correctly and explain decisions in writing.

TILA / Regulation Z ( 12 CFR 1026 ) servicers must follow borrower instructions for extra payments when allowed by the loan terms.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I received a call on XX/XX/year> at XXXX CST from ( XXXX ) XXXX telling me that she was informing me of an order of location by which I would be physically located at my home or place of employment. She kept saying that a court order will be filed. I told her I didn't know what she was talking about or why she was contacting me. She offered me a claim number and a phone number to call to provide the claim number for me to get more information. She provided the number ( XXXX ) XXXX, which is connected with a company called XXXX, which I called after hanging up with her. I provided them with the claim number and they told me it was regarding a debt with Acima Leasing. The agent on the phone advised that they process claims on behalf of a group of attorneys and again kept telling me that a court order will be filed to locate me and sue me for this debt. I told them that this sounded really scammy and that I would like to be contacted through attorneys only if they needed to contact me further. I told them I would wait to be officially served by my county. We hung up the phone. Then, on Monday, XX/XX/year>, I receive a call from an " unknown caller ''. I answer the call and no one talks. Less than 5 minutes later, my mother-in-law receives a call from the same lady that called me the first time on Friday morning saying that her address is the last known address for me, and that if she or I do not contact XXXX at ( XXXX XXXX XXXX to advise them of my current address, they will be physically showing up at her residence to locate me ( even though I have not lived there for over 10 years! ). At this point, they are harassing me and people who know me with the intent to gain my physical location information. I called XXXX and requested that they cease and desist contacting me or anyone acquainted with me, and that I would consider their actions stalking and will proceed accordingly on a legal front if it continues. They told me that the compliance office that was contacting me and other family members was in a different office and he couldn't promise that notating my account would make it stop. I was advised by a friend to also contact the Consumer Financial Protection Bureau, so that is what I am doing now. I can send you the screenshots of their calls to me, as well as the recording of the voicemail they left my mother-in-law if you need it. It isn't letting me attach it here to the claim. Please get these people to stop harassing me and my family members!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute because the information being reported on my credit file is inaccurate and does not reflect my actual payment history or account status. The reported late payment ( XXXX ) for the month ( XXXX ) in question are incorrect. I made my payments on time and did not receive any notice from the company indicating an issue. 

Additionally, no documentation has been provided to support the validity or accuracy of the negative information. I attempted to resolve this directly with the company, but the report has not been corrected. 

Because this information is inaccurate and unverifiable, it is creating a negative and unfair impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-17 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a letter from Jefferson Capital informing me of some debt I have no idea what this is in reference to, and think this could be a scam. 

This was the information listed on the letter : Current Creditor ; Jefferson Capital Systems Inc XXXX Reference : # XXXX Account # : XXXX Amount of Debt : {$5300.00}

Company response to consumer: Closed with explanation