vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
My account shows a missed payment for XX/XX/year>. My account has a deferment on it and my next payment wasnt due until XX/XX/year>. I still paid early but it was not due. I have a letter showing my skip pay being granted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are not mine and must be removed.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete these fraudulent entries. Enclosed are a list of the disputed items and a copy of my Identity Theft Report from the FTC.

Please confirm once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA XXXX ( a ) ( XXXX ). 
This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA XXXX ( a ) / XXXX XXXX. XXXX, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was in a lease in XXXX but i had to pay a reletting fee to get out of that lease because of horrible living conditions i was told the only thing left to pay was reletting fee to get out of that lease and last month of rent so those XXXX were paid and gave keys back and cleanned the entire apartment and returned everything they gave me and that was all I was told I needed to do, now in XXXX a debt collector named Hunter Warfield is contacting me telling me I owe a debt for utilities as in our lease agreement all utilities were included in rent except wifi and electricity. Every month I paid the full rental amount. Upon asking Hunter Warfield for an itemized copy of all charges and what specific dates this was for the agent could not provide me because they dont have further information. As I mentioned previously the utilities included in rent were water, trash, pest control, and maintenance. All rent expenses were paid on time and in the full charge each and every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a dispute letter with a fraud report to Equifax showing that I did not authorize this account.. This is a clear violation of the fair credit reporting act. Equifax has not property verified the account in any shape or form, because this is fraud. This is not my account and my information/data has been illegally used/accessed. They have failed to verify anything but still refuse to remove it off my report. Again this is a clear violation of the FCRA. At this point if with this case it does not resolve this problem I will be taking legal action. Section XXXX ( a ) ( XXXX ) ( A ) Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Section XXXX ( a ) ( XXXX ) ( A ) ) Federal law has been broken, no verification has been presented. My personal information was accessed without my direct consent. Fraud has been committed not only my Equifax but by XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
My account shows a missed payment for XX/XX/year>. My account has a deferment on it and my next payment wasnt due until XX/XX/year>. I still paid early but it was not due. I have a letter showing my skip pay being granted as well.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account shows a missed payment for XX/XX/year>. My account has a deferment on it and my next payment wasnt due until XX/XX/year>. I still paid early but it was not due. I have a letter showing my skip pay being granted as well.

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 2025-07-14 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: FL

Complaint narrative:
In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that furnishers remove any information that can not be verified. Under XXXX XXXX. XXXX, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under XXXX, willful violations XXXX subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} XXXX ; XXXX v. XXXX  {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items.

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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal complaint against Experian for failing to protect my personal data and continuing to report accounts that are potentially compromised due to past data breaches. 

Experian has violated several federal consumer protection and privacy laws by reporting accounts without a valid permissible purpose and failing to ensure the lawful handling of my nonpublic personal information ( NPI ), including : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act Disclosure of NPI without consent ) 15 U.S.C. 1681b ( FCRA Permissible Purpose for use of consumer report ) 15 U.S.C. 1681i ( FCRA Failure to properly reinvestigate disputed information ) 15 U.S.C. 45 ( FTC Act Unfair or deceptive practices regarding personal data ) 12 U.S.C. 3401 et seq. ( Right to Financial Privacy Act Misuse of financial records ) 5 U.S.C. 552a ( Privacy Act Unlawful use/disclosure of personal data by entities that handle sensitive records ) Due to these violations, I am demanding the immediate deletion of all accounts reported by third-party debt collectors and any non-original creditor accounts that may have been affected by unauthorized data access or reporting.

I have submitted formal dispute letters to Experian requesting permanent removal. Experian has failed to honor my privacy rights and has not provided proof of a valid, lawful basis for continuing to report these items.

I am asking the CFPB to enforce my rights under federal law and require Experian to delete these unauthorized, improperly reported, and privacy-compromising accounts from my credit file

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 2025-07-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a formal complaint against Experian for failing to protect my personal data and continuing to report accounts that are potentially compromised due to past data breaches. 

Experian has violated several federal consumer protection and privacy laws by reporting accounts without a valid permissible purpose and failing to ensure the lawful handling of my nonpublic personal information ( NPI ), including : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act Disclosure of NPI without consent ) 15 U.S.C. 1681b ( FCRA Permissible Purpose for use of consumer report ) 15 U.S.C. 1681i ( FCRA Failure to properly reinvestigate disputed information ) 15 U.S.C. 45 ( FTC Act Unfair or deceptive practices regarding personal data ) 12 U.S.C. 3401 et seq. ( Right to Financial Privacy Act Misuse of financial records ) 5 U.S.C. 552a ( Privacy Act Unlawful use/disclosure of personal data by entities that handle sensitive records ) Due to these violations, I am demanding the immediate deletion of all accounts reported by third-party debt collectors and any non-original creditor accounts that may have been affected by unauthorized data access or reporting.

I have submitted formal dispute letters to Experian requesting permanent removal. Experian has failed to honor my privacy rights and has not provided proof of a valid, lawful basis for continuing to report these items.

I am asking the CFPB to enforce my rights under federal law and require Experian to delete these unauthorized, improperly reported, and privacy-compromising accounts from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: CA

Complaint narrative:
I have no knowledge of this account in any capacity. Please show letter or origination, proof of my signature, the person who opened the account and my written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: WA

Complaint narrative:
Company : Equifax Equifax Report Dated XX/XX/XXXX Description : This complaint is against Equifax for inaccurate reporting of XXXX XXXX XXXX XXXX accounts charged off in XXXX. These accounts continue to show monthly charge-off remarks through XXXX and remain marked as 'past due ' despite no active repayment agreement. I did not authorize any repayments. 

Violations include : - FCRA 605 ( a ) ( 4 ) - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 611 ( a ) Please correct or delete all inaccurate, unverifiable entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX and XXXX account in XX/XX/year> after being invited due to responsible XXXX  card usage. I deposited {$100000.00} into the XXXX account and {$1000.00} into the XXXX  account to qualify for advertised bonuses ( {$1500.00} + {$300.00} ). After completing identity verification and funding, I was later told I was ineligible due to unclear account opening definitions. Once I realized no bonuses would be issued, I attempted to transfer {$50000.00} back to XXXX account that had originally funded the XXXX XXXX account and is in my name. 

My account was then restricted. I was told to visit a branch in person, which I can not do because I live abroad. Ive verified my identity with a passport, XXXX XXXX, XXXX credit XXXX, and XXXX mobile XXXX. The restriction is unjustified and harmful. I respectfully request access to transfer funds to my linked XXXX or XXXX XXXX used to originally fund the accountor to return funds to them via XXXX. I am willing to close the account after the transfer. If unresolved, I XXXX escalate to regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I am following up on my XX/XX/year> complaint regarding Wakefield & Associates and a collection from XXXX XXXX  of Michigan. XXXX responded on XX/XX/year>, and stated they would request a statement from the original provider and send it to me directly. 

It has now been almost XXXX  months, and I have received no documentation or communication from XXXX. The debt remains marked as disputed on my credit report, but no verification or breakdown of charges has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a dispute regarding inaccurate personal information listed on my credit reports with the consumer reporting agencies. 

There are multiple variations of my name, several incorrect or outdated addresses, and numerous phone numbers listed many of which do not belong to me. In addition, the employment section is either missing or incomplete. 

I initially contacted at least XXXX credit bureau about the incorrect name variations around 2008, but the issue was never fully resolved. Over time, additional inaccuracies have appeared, including phone numbers that I have never used or authorized. 

At this time, I am submitting a request to have the following corrected : Only one accurate version of my legal name should appear Outdated or incorrect addresses should be removed, leaving only my current address My current employers should be listed All incorrect or unauthorized phone numbers should be deleted from my credit reports I am including the necessary supporting documentation as part of this submission, including proof of identity, current address, and employment information. 

I am requesting CFPB assistance to ensure the credit reporting agencies correct and update my personal information in accordance with the Fair Credit Reporting Act, which requires that consumer information be accurate and complete.

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 2025-07-14 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} million ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Ally Financial on my vehicle loan for a XXXX XXXX XXXX. 

The account shows a charge-off balance of {$25000.00}. However, Ally repossessed the vehicle and received {$11000.00} from an auction on XX/XX/XXXX. This payment is reflected in their own documents but was never properly applied to reduce the balance. 

Additionally, the balance fluctuated month to month between {$36000.00}, {$36000.00}, and {$37000.00} in XXXX, even though no new charges or payments were applied. This violates the Fair Credit Reporting Act and results in a misleading and inaccurate representation of the debt. 

XXXX XX/XX/XXXX letter claims the reporting is accurate, yet provides no clear calculation of how they reached the current balance. 

I previously disputed this through XXXX, but no correction was made. I am requesting deletion of this tradeline due to Allys failure to provide consistent, accurate, and verifiable information.

Company response to consumer: Closed with explanation