vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
b'This complaint is not about whether the account belongs to me. The issue is that Experian failed to follow the Fair Credit Reporting Act (FCRA) and obstructed my right to dispute.\n\t\tI mailed my disputes directly to Experian, including a copy of my government-issued ID and a utility bill. XXXX Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX confirms delivery on XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX.\n\t\tDespite this, Experian sent me a letter dated XXXX XXXX XXXX, falsely claiming my disputes did not appear to have been sent directly by me.\n\t\tThe letter did not identify which account(s) or tradeline(s) this referred to, and it did not provide any instructions on what additional information Experian required.\n\t\tWhen I called Experian at XXXX XXXX on XXXX XXXX XXXX one representative told me that both disputes were rejected, that Experian would not take any action, and that Experian was not committing any violation. On a second call, another representative told me they could not even find any record of my disputes or the letter Experian had mailed to me.\n\nThis shows Experian is mishandling my disputes, providing false and inconsistent information, and refusing to comply with FCRA 611 by failing to investigate, failing to identify the disputed tradeline(s), and failing to provide the method of verification.'

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 2025-09-24 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: CA

Complaint narrative:
I am writing to formally dispute multiple inaccurate entries on my credit report. These are not clerical errors they are incorrect and are causing me ongoing financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Hometap Equity Partners, LLC
State: AZ

Complaint narrative:
XXXX our father entered into what he thought was a home equity loan and received {$70000.00} from HomeTap to make renovations and consolidate debt. He was assured it was nothing like a Reverse Mortgage and that it was a Home Equity Loan which is repayable in XXXX  years or they receive their investment back in the sale of the home. We discussed this a couple of times after he had already entered into this contract and he was assured this was not a reverse mortgage. 

After reading the contract and corresponding with this company that is not the case. They want approval prior to our ability to refinance to pay them ( or buy them out ) and they want us as the requestors to pay for the appraisal performed by a company of their choosing from their approved appraisal companies and if we are unhappy with their company 's findings we can then hire our own company and pay for the XXXX appraisal. In addition to the loan of $ XXXX, the own a percentage of the home ranging from XXXX % as stated in the contract which also increases the $ XXXX borrowed to close to $ XXXX to payoff. Their valuation of the property for the initial loan is off by almost $ XXXX for the initial loan based on comps and sales in the area as well as similar homes ( rooms & square footage ). 

How is this helpful to a senior on a fixed income. Our father passed away in XX/XX/XXXX ; however, we are fearful of the amount to be paid in addition to the extra fees ( appraisal, refinance fees, interest, etc. ) as we do not have the extra funds to pay for any of this without THEIR approval of our ability to refinance the home to pay them.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint regarding multiple inaccuracies on my credit report that are significantly affecting my creditworthiness, ability to secure funding, and financial reputation. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand immediate investigation, correction, or deletion of all inaccurate information. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX This address has never been my residence. Its presence on my credit report is completely erroneous. Because of this incorrect address, I have faced repeated verification issues when applying for legitimate credit and loans. Lenders have repeatedly contacted me regarding accounts allegedly tied to this address, causing confusion, stress, and financial loss. This false address has also complicated my identity verification for essential services, making everyday financial transactions unnecessarily difficult. 
Account Disputes XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, High Balance {$11000.00} Charge Off. This account is being incorrectly reported as charged off. I have consistently made payments as agreed or have never been properly contacted regarding any alleged delinquency. The inaccurate charge-off has caused significant credit damage, delayed my loan approvals, and resulted in additional financial fees and stress. It also misrepresents my history of financial responsibility, impacting my personal and professional credibility. 
XXXX XXXX XXXX Opened XX/XX/XXXX, High Credit {$0.00} Charge Off. I dispute the reported charge-off. This accounts status has been inaccurately communicated to credit bureaus, creating a false negative impact on my credit history. As a result, I have faced repeated rejections for credit and experienced undue hardship in attempting to manage legitimate financial obligations. This incorrect reporting undermines my credibility and violates my rights under FCRA. 
These inaccuracies are causing severe financial, professional, and personal harm. I request that the CFPB immediately investigate and ensure that all inaccurate addresses, accounts, and inquiries are corrected or removed. Written confirmation of your investigation, findings, and corrective actions is expected as required under FCRA. 
Failure to address these matters promptly will compel me to pursue all available legal remedies, including civil action for damages caused by willful or negligent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX has failed to provide proof of ownership or original creditor documentation, violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from Equifax, Experian, and TransUnion.

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any account that can not be verified must be deleted. Therefore, I request that this collection account be immediately removed from my credit files with Equifax, Experian, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA BANK ACCOUNT WAS SETTLED SENT CERTIFIED LETTER TO PROVIDE ME MY XXXX OVER XXXX MONTHS AGO NEVER RECEIVED MY DOCUMENT.

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 2025-09-24 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:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/year>, I was the victim of a scam that led to a {$19000.00} cash withdrawal, a {$10000.00} credit card advance, and the draining of {$5200.00} from my sons account. I immediately reported this to Wells Fargo and filed a claim, but the bank denied reimbursement, citing that my signature matched and my bank card was used as ID. On XX/XX/year>, I also filed an official police report ( # XXXX, XXXX XXXX XXXX, XXXX Department XXXX XXXX XXXX XXXX. 

I acknowledge partial responsibility for entering XXXX verification codes provided by the scammer, but Wells Fargo XXXX XXXX its duty to protect me. These transactions were extreme and completely inconsistent with my banking history. I have never withdrawn {$19000.00} in cash, taken a {$10000.00} cash advance, or transferred funds from my sons account. Such activity should have triggered fraud alerts and human intervention. A personal banker at the XXXX XXXX branch could have reviewed my account, asked questions, and stopped the fraud. No one from XXXX XXXX fraud team contacted me, and I received only a denial letter without meaningful investigation. 

What is most concerning is that Wells Fargo gave me more communication and support for a {$75.00} XXXX XXXX ( involving XXXX XXXX XXXX XXXX XXXX XXXX for this {$19000.00} fraud. This inconsistency shows negligence in how the bank prioritizes fraud cases. I respectfully request that Wells Fargo be held accountable, that my case be reopened, and that I be reimbursed for the {$19000.00} loss.

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 2025-09-24 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: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST XX/XX/XXXX To Whom It May Concern, There is information on my consumer report that is potentially showing as a result of the recent XXXX XXXX XXXX identity breaches. I never provided written permission or instructions for the identified transactions to be reported or furnished on my consumer report. I am requesting for the second time that the reporting of this information be blocked and deleted. 


The reporting and collection agencies alleging these debts responded to my initial requests, however this response did not address my request and requirements for listing such information on my consumer report at all. These third-party collection agencies failed to validate this alleged debt, and did not provide any original agreements including the original chain of custody as proof of both parties entering any agreement together. 


Again, my request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The following identified transactions are invalid and inaccurately being reported on my consumer report, resulting in fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Products, Services or Contracts Entered or Received From These Creditors It is required by law that an action is taken regarding this matter and that the reporting of this information is addressed. I am requesting to block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WA

Complaint narrative:
Im disputing the way my case was handled because its clear that my evidence was not properly considered. I submitted documents and details showing the account being reported is inaccurate, but instead of reviewing what I sent, you relied only on the furnishers response. That is not what the law allows. Under 15 U.S. Code 1681i ( 4 ), you are required to fully review and consider the information I provide when I dispute an account.

By ignoring my documentation, you are not only violating federal law, but youre also allowing false information to remain on my credit report. This has already harmed me by lowering my credit score and creating unnecessary obstacles with my financial opportunities.

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 2025-09-24 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: IL

Complaint narrative:
I am filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

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 2025-09-24 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

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

Company response to consumer: Closed with non-monetary relief