vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent :.

INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
On XX/XX/XXXX I attempted to rent a vehicle at XXXX XXXX XXXX XXXX  located in XXXX Indiana ( XXXX ) XXXX located XXXX XXXX XXXX XXXX. XXXX XXXX checked my credit score with Equifax XXXX XXXX. Equifax stated I had a XXXX unpaid credit balance on my credit report and I would not be able to rent the vehicle. Equifax wanted XXXX monthly to correct/ investigate report. I never owed XXXX. I was never billed for the amount. I never opened any new credit card accounts. The last lime I checked my credit rating in XXXX my score was in the XXXX XXXX and I have paid all my bills on time. I am XXXX XXXX XXXX and on Social Security. I don't know how I could have charged XXXX during this 6 year period. This report is incorrect and I don't have the funds to dispute this inaccurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am demanding immediate action regarding the violations of my consumer rights. I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate and misleading information being reported on my credit file. I clearly listed the disputed accounts and outlined the specific consumer law violations each furnisher committed. It has now been over 30 days, and none of the credit bureaus have provided a legally required response. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

The data furnisher has blatantly violated FCRA Section 623 ( a ) ( 3 ) by failing to mark the disputed account as in dispute during the investigation period. Additionally, the reporting of the date of last activity is erroneous and misleading, violating FCRA 605 ( c ), as it fails to accurately reflect the last date a legitimate payment was made.

Furthermore, this company continues to report and attempt to collect on a collection account that has never been properly validated in accordance with FDCPA Section 809 ( b ). As clearly interpreted by the FTC, a failure to provide validation is a direct violation of federal law. 

Attached are copies of all correspondence previously sent. If this matter is not resolved immediately, I will not hesitate to escalate this to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals office for formal complaint filings. You are now on notice.

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 2025-07-21 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: TX

Complaint narrative:
I am demanding immediate action regarding the violations of my consumer rights. I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate and misleading information being reported on my credit file. I clearly listed the disputed accounts and outlined the specific consumer law violations each furnisher committed. It has now been over 30 days, and none of the credit bureaus have provided a legally required response. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

The data furnisher has blatantly violated FCRA Section 623 ( a ) ( 3 ) by failing to mark the disputed account as in dispute during the investigation period. Additionally, the reporting of the date of last activity is erroneous and misleading, violating FCRA 605 ( c ), as it fails to accurately reflect the last date a legitimate payment was made.

Furthermore, this company continues to report and attempt to collect on a collection account that has never been properly validated in accordance with FDCPA Section 809 ( b ). As clearly interpreted by the FTC, a failure to provide validation is a direct violation of federal law. 

Attached are copies of all correspondence previously sent. If this matter is not resolved immediately, I will not hesitate to escalate this to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals office for formal complaint filings. You are now on notice.

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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX and I saw some hard inquires that did not have some permissible purpose. I have attached evidence as a reference. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this inquiry has no permissble purpose of being on my report Delete this inquiry due to violation

of 15 USC1681 ( b ). Thank you, 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 2025-07-21 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: TX

Complaint narrative:
It has come to my attention that my personal identity may have been misused, resulting in an account appearing on my credit report that I did not authorize.

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 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint against Marcus by Goldman Sachs regarding a {$50000.00} dispute that I won and was confirmed in writing by Marcus on XX/XX/year>. I have attached their official letter as evidence.

Despite this confirmation, Marcus has failed to release the funds. First, I was told I would receive the money via ACH transfer to my external bank. When that did not happen, they told me a physical check was being mailed that also never arrived.

It has now been over a month since the written confirmation, and nearly four months since the dispute began. Every time I contact XXXX, I am given different stories or no helpful information. I believe I am being deliberately misled or ignored.

This situation involves a significant amount of money, and Marcus is showing clear negligence or misconduct. I am asking the CFPB to require Marcus to : Immediately release the {$50000.00} owed to me Provide a written explanation of what caused the delay Ensure full transparency and accountability I have suffered financial hardship due to this and am urgently requesting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I recently reviewed my credit report and found an account listed that I did not authorize, open, or use. This is clearly a case of fraudulent activity.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request to United Credit and Collections , Inc., regarding an alleged {$600.00} debt reported to the credit bureaus under the name XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ). This was a lawful request made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting full validation of the alleged debt.

Despite this request, I have not received any response or supporting documentation from the company. No validation has been provided to confirm the debt 's legitimacy, including : Proof of the original creditors name and address A complete itemization of the debt ( principal, interest, fees ) A copy of the original signed contract bearing my wet signature Legal authority to collect the allege debt in my state The date of first delinquency Confirmation that the debt has not already been paid or discharged As of today, this account continues to appear on my credit reports, despite United Credit and Collections failing to fulfill its legal obligation to validate the debt or respond in any manner. This is a violation of 15 U.S.C. 1692g ( b ), and I am concerned that their reporting activity also violates the Fair Credit Reporting Act ( FCRA ) due to unverified, disputed information remaining on my file.

Resolution Requested : Immediate cessation of any collection activity Full removal of the unvalidated debt from all credit bureaus Written confirmation that no further attempts will be made to collect this debt without proper validation Mark the account as disputed in all reporting, if it remains during investigation I am attaching a copy of my original letter for the CFPBs review and request a full investigation into this matter. I am also prepared to escalate this to additional regulatory bodies if necessary.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mother refinanced her home loan with PHH Mortgage and included my grandmother on the loan and both have passed away. While we were working with PHH Mortgage Family Transfer team, they went ahead and started the foreclosure process. As a result, I filed bankruptcy which pulled it from the Sale list and put the foreclosure on hold. Initially when we started the family transfer process the account was past due, and they told us that once all the information was able to get a modification.

While gathering and providing all of the family transfer information they started the foreclosure process. The continue to ask us if we can re-instate the loan, however, we do not have the {$68000.00} to do this. I have asked for other options i.e., taking the past due amount and placing it at the back of the loan to give us a change to start fresh with our payments. They repeat that the loan has to be brought current before they can do anything. I have continued to ask them to provide some attainable options to help us.

We continue get notifications that they are here to help but they are not providing any real help. Their only statement is that the loan as to be brought current before they can provide any assistance.

We are supposed to have a relationship manager but when we schedule a call. No one calls.

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 2025-07-21 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: GA

Complaint narrative:
This letter serves as a formal request for the correction of an inaccurately reported late payment on my credit report. After reviewing my payment history and supporting documents, I found no missed or late payments during the period in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Camelot Financial Services, Inc.
State: OK

Complaint narrative:
I got this loan to pay off another loan and to have some extra for an emergency. I had made payments, and thought I had paid this off. That was @ XXXX. I never heard from them after I thought I paid off. Then, they served someone at a temporary address where I only stayed for a few months and there are way better addresses for me available if you XXXX me. I have no clue how they decided to serve me at that address since there are consistent recorded addresses for me. I never once received a phone call or an email stating that I still had a balance, and my email and phone number are still the same. I had no idea about the balance till the landlord at the temporary housing place called me about this letter. They had charged a ton of fees and lawyer fees ontop of my original amount. They charged late fees, interests, and lawyer fees. I find these detestable business practices that they do not call or email to reach out, then throw in all kinds of fees, and it screws me ontop of my current financial hardships. It feels especially scammy, given that they have made a significant amount of money from me through many loans with their company. It is ridiculous they could sue me without properly contacting me and trying to get a resolution, and then make me pay for the lawyer fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
There appears to be a mistaken identity reflected in my credit file. The address listed is not mine and was never associated with my personal or financial history.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One CC late XXXX, XXXX and was instantly approved for a {$300.00} credit limit on a MasterCard. I had not received the card by XXXX and made several calls to determine why it wasn't rec 'd. By the first week of XXXX their CS & Fraud Dept requested a copy of my Florida DL which I submitted. I still had not rec 'd the card within 10 days and called again. This time a rep actually looked for the docs submitted and I finally received the card. Today ( XX/XX/XXXX ) I went to make a charge of {$200.00} and rec 'd a text reporting " suspicious activity ''. In order to complete my purchase, I once again called Cap One and was asked to submit the same doc, PLUS proof of residence. My FL DL IS THE SAME as my residence! I spoke with " XXXX '' at XXXX who absolutely refused to review my numerous contacts with them to reverse a denial for the {$200.00} charge. I've been at my residence since XXXX. Even though I have spoken with their Fraud Dept several times, this is bordering on XXXX  and fraudulent banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX on XX/XX/XXXX. XXXX is the seller and the only perfected lienholder listed on the title issued by the Kentucky DMV. Bridgecrest Credit Company has been acting as the loan servicer, but they are not listed as a lienholder on my vehicle title. 

I sent Bridgecrest a UCC 2-609 Right to Adequate Assurance of Performance and a Cease and Desist letter on XX/XX/XXXX. They failed to provide any documentation showing they are authorized to repossess or collect on the loan, which they have since charged off. Despite this, Bridgecrest continues to threaten repossession of the vehicle. 

Their actions appear to violate Kentucky lien laws and may constitute unlawful collection and attempted conversion of property. I am requesting that the CFPB investigate Bridgecrest for : Failing to validate debt under FDCPA Attempting repossession without a perfected security interest Ignoring my UCC 2-609 request I have attached a copy of my title, the contract with XXXX, and Bridgecrests response.

Company response to consumer: Closed with explanation