vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am filing this complaint because Experian has repeatedly denied my disputes regarding fraudulent activity on my credit report, despite clear evidence that the transactions and account reporting could not have been initiated by me. 
I was arrested and incarcerated from XX/XX/XXXX through XX/XX/XXXX. During this period, I did not have access to my personal information, phone, email, or financial accounts. While I was incarcerated, a XXXX account was fraudulently opened and reported to Experian, with activity showing in XX/XX/XXXX. This account is not mine, and I have never opened or authorized any account with XXXX. 
I submitted multiple disputes to Experian explaining that I was incarcerated and unable to open accounts during that time. However, Experian has denied all of my disputes and refused to remove the fraudulent XXXX reporting from my credit file. This inaccurate information has caused my credit score to drop and has negatively affected my ability to obtain credit and rebuild financially after release. 
In addition, my Experian credit report contains multiple inquiries during the period of my incarceration, which I did not authorize and could not have initiated. These inquiries also remain on my report despite my disputes.

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 2025-11-14 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 filing this complaint to dispute inaccurate information on my credit report as reported by the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX ( XXXX ). The details of the accounts and items in dispute are as follows. Please review these entries as they may not be reported accurately or completely. 

Charged-Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. 

Details : This account shows a {$0.00} balance ; however, I dispute its reporting as a charged-off account. The account was settled and closed. I request verification of this charged-off status and a correction if inaccurate. 

XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00}. 

Details : I have paid off this account in full, but the charged-off status remains. I request confirmation of the payment status and the removal of the charged-off entry if it is an error. 

XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. 

Details : This account should not be reported as charged-off. It has been fully settled. Please verify the accuracy of this report. 

XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}. 

Details : I dispute the reporting of this charge-off. The account was not managed properly, and I request a full investigation into the reporting of this balance. 

XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00}. 

Details : Please verify the validity of this charge-off. If this is an error, I request immediate correction of this reporting. 

XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00}. 

Details : I believe this account has been inaccurately marked as a charge-off. I request full verification of the account and for the charge-off status to be reviewed. 

XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. 

Details : This account is reported as charged-off, but the balance is {$0.00}. Please clarify why this account is listed as charged-off and correct any inaccuracies if found. 

Inquiries : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX. 

Details : I dispute the legitimacy of this inquiry. Please investigate whether this inquiry was made with my authorization. If not, I request that it be removed from my credit file. 

Late Payments : XXXX, Account Number : 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 2025-11-14 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: MD

Complaint narrative:
I am writing to formally dispute the following accounts reported on my Equifax credit report. These accounts appear to be inaccurate and incomplete in violation of the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute : Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2900.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$5500.00} XXXX, XXXX, XX/XX/XXXX, {$990.00} XXXX XXXX, XX/XX/XXXX, {$720.00} XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXXXXXX, 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 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am disputing XXXX medical collections being reported inaccurately and without proper validation. I requested an itemized billing statement and proof of ownership of the debt from Receivables Management Corp, but they did not provide validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Medical debt requires verification before reporting. Because the collector failed to validate or provide documentation, the reporting is inaccurate and should be removed from all credit bureaus immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I got a XXXX prepaid amex card, I was using it without any problem until today. Today i try to used the card and i got a notice on my phone thats is on hold. I call the amex prepaid card number and they say they going to refund me with a check but it could take up to a month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I had a mortgage with united wholesale mortgage and was selling my house. I called and asked if I had to pay my mortgage off if my house was under contract, to which they assured me multiple times that I did not. A few months later after we sold our house and completely paid off our mortgage I get a hit on both me and my wifes credit saying we missed a mortgage payment. I filed a credit dispute and called XXXX they then told me a manager would review the calls where they told me I didnt need to pay the mortgage. They told me they would get back to me in 1-3 days. This was a lie I have been calling every 3 days for about 2 months. And keep getting told I will get a call back from a manager. I have not received XXXX call back no matter how much I complain and call them. I would like a resolution to this ASAP and would like XXXX to do what they have promised me and call me bac.

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 2025-11-14 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: OK

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am filing a formal complaint against Equifax for systematic FCRA violations and cross-bureau inaccuracies involving XXXX fraudulent XXXXXXXX XXXX accounts that demonstrate catastrophic data integrity failures. 

The XXXX account # XXXX shows Equifax 's complete disregard for accuracy - reporting a {$4300.00} balance while XXXX reports {$3800.00} for the same account. This mathematical impossibility proves XXXX verification procedures. Even worse, XXXX already deleted this account after establishing its fraudulent nature, yet Equifax continues this illegal reporting through XX/XX/year>- including future dates that don't exist. 

The XXXX XXXXXXXX XXXX account XXXX XXXX continues reporting as charge-off from XXXX despite being proven fraudulent. This account doesn't belong to me - I've never had an XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
They keep calling from different numbers and company names. They refuse to send proof of debt, their address, or representatives names. They say I owe a debt from Capital One Credit Card. I have called CO directly and they say I have no debt. It is possible this is a debt I paid off years ago approx XXXX years ago. I have since gotten a car loan from and paid it off in full. If I still owed them money they wouldnt have given me a new loan on XXXX. They are saying its from XXXX. When again I asked for information I get hung up on. They say its because Im not going to pay the debt so they arent going to give me information. They repeatedly call myself, my husband, and my brother and sister in law. I have audio recording of them refusing to give me information. I have recorded calls and when the recording disclaimer comes on they mostly hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Date : XX/XX/year> I, XXXX XXXX, am formally notifying Navy Federal Credit Union ( NFCU ) of a mistaken credit posted to my account in the amount of {$100.00}, which needs to be returned to XXXX XXXX XXXX ( XXXX ). 
Today, I spoke with XXXX in the Credit Card Department. The call began at approximately XXXXXXXX XXXX and ended at XXXXXXXX XXXX. During this call, I clearly advised that the {$100.00} credit was applied to my account in error and must be immediately reversed and returned to XXXX XXXX 
This constitutes an official notice of error and a demand for prompt correction. 
Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.

A mistaken or misapplied credit qualifies as an error under federal law.

Regulation E 12 C.F.R. 1005.11 ( Error Resolution Duties ) NFCU is legally required to : Investigate the reported error within 10 business days, Provide results within 3 business days, and Correct the errorincluding reversalwithin 1 business day after determining the mistake.

Regulation E 12 C.F.R. 1005.11 ( d ) The burden is on the financial institution to correct a misapplied credit and ensure funds are returned to the proper party I hereby demand that NFCU : 1. Immediately reverse the {$100.00} mistaken credit.

2. Return {$100.00} to XXXX XXXX XXXX without delay. 
3. Provide written confirmation once the correction has been completed. 
4. Provide the required written explanation of your investigation under 12 C.F.R. 1005.11 ( c ).

If NFCU fails to comply, I may proceed with : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Initiating a regulatory review or enforcement action for violations of EFTA / Regulation E, and Seeking all available legal remedies.

This letter serves as a lawful and timely demand for correction of a bank-initiated error. 
The {$100.00} belongs to XXXX, and NFCU must return it promptly. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am making payments to a third party company called XXXX XXXX XXXX who settled the credit card and loan balances on my behalf for XXXX XXXX XXXX XXXX. They are sending monthly payments to the institutions that I owe. 

Also making monthly payments to a collections company called XXXX XXXX to settle a debt with 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 2025-11-14 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: OH

Complaint narrative:
I am writing to formally dispute the following information regarding my credit report. I am a consumer seeking to resolve discrepancies and to ensure the accuracy of the reported data. The following accounts are being disputed based on the premise of inaccurate reporting, as outlined below. 

Disputed Account ( s ) : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/year> I received a phone call from First Citizens Bank stating that there might be some fraudulent activity on my company 's account. There was a {$4000.00} withdrawal that appeared to be coming out ( pending ) in California .. I looked online and did see this. He asked me if I knew a XXXX XXXX and I stated that I did not. So he told me he was going to secure our account and shut down the digital banking and then get me back up and running the next morning. He had First Citizens call me ( automated ) with a secure access code which I put in and then on my screen was a reference number he told me to make note of for when I called back. On XX/XX/XXXX, I called First Citizens to get signed back on and told them what happened... the lady said yes she did see some notes and told me how to get signed back on, called me with another secure access code etc. I hung up with her after gaining access again and noticed an ACH transfer of {$140000.00} to 7 different random accounts/ recipients. I immediately called back and was like this is not me .. what do we do? They said they would contact the fraud department and they would reach out .. they did not. I ended up going to our local branch that afternoon and the young gentleman in there messaged the lady in charge of our case and he told me she said to file a police report and an IC 3 with the FBI. I noticed we had made a cash deposit the morning of XX/XX/XXXX but it did not post until the next day which I thought strange. The deposits always post the same day. We were never told of any kind of ACH transfer protection ( if that would have even helped ) until after all of this happened. I never authorized for this transfer to occur and the amount was just under the limit of {$150000.00} to 7 random small accounts across the country to people that their names do not even sound real. We were never notified of this and do not feel that we should be held liable for something that we did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Westlake Financial refuses to issue lien release required for title clearance Loan Holder : Westlake Financial VIN : XXXX Westlak Financial Account Number : XXXX I am filing a complaint against Westlake Financial because they have refused to provide a required lien release letter, preventing the Massachusetts XXXX from removing a digital lien from my vehicle record. 
Summary of the Issue * I financed a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Westlake Financial in Connecticut at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* I made regular payments and the loan was eventually XXXX / satisfied. 
* When the vehicle was registered in Massachusetts, the XXXX received an outdated New York title. 
* The dealership has since gone out of business and can not provide updated documentation. 
* The Massachusetts XXXXXXXX has stated in writing and verbally that they can not remove the lien without an official lien release letter from Westlake, and that Westlake is responsible for removing or authorizing removal of the digital lien.

* Westlake refuses to issue this lien release and states that the matter is the XXXX responsibility, which is factually incorrect and inconsistent with MA XXXX regulations. 
Harm * I am unable to obtain a Massachusetts title. 
* My bonded title application was denied because of the unresolved lien.

* I can not legally sell the vehicle, which is depreciating in value.

* I am stuck with a vehicle I legally own but can not transfer because Westlake will not issue a document they are legally required to provide.

Company response to consumer: Closed with explanation