vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PR

Complaint narrative:
Hi, Pleaser refer to attachment section, this account does not belongs to me. Please remove from my credit report. I have a lot of issues back from XX/XX/year> that I want to fix. 

Thanks.

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 2025-11-18 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-18 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:
I am filing this complaint because the credit reporting agencies are inaccurately reporting several hard inquiries on my credit file that were not authorized, did not result in any approved or opened account, and do not meet the FCRA requirement for a permissible purpose. I disputed these inquiries directly with the credit bureaus, but they refused to remove them and failed to provide any documentation proving that the inquiries were authorized. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. XXXX ( a ) limits the furnishing of a consumer report to entities with a permissible purpose. 
Hard inquiries require my direct authorization or a legitimate credit application that resulted in consideration for credit. In these disputed cases, no credit was extended, no accounts were opened, and I did not authorize many of the companies to access my report. These inquiries therefore lack permissible purpose. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) requires credit bureaus to conduct a reasonable reinvestigation of any disputed information. 
The credit bureaus verified these inquiries without providing any proof of authorization or permissible purpose from the furnisher, demonstrating a failure to conduct a meaningful investigation. 
15 U.S.C. XXXX ( b ) requires credit bureaus to maintain maximum possible accuracy in consumer reports. 
Continuing to report inquiries that are unauthorized, unverifiable, or lacking permissible purpose violates this statutory requirement. 

The presence of these inaccurate inquiries has negatively impacted my credit score, my ability to obtain credit, and my financial stability. As an XX/XX/XXXX military service member, inaccurate reporting also directly threatens my security clearance eligibility and career.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OK

Complaint narrative:
I am really upset to see that the inaccurate late payments continue to show on my credit report today, and I have no idea why they are still there. Refreshing my browser did nothing, which has only added to my XXXX. I am asking that the documents I provided be checked right away so I can put this behind me for good.

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 2025-11-18 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: NJ

Complaint narrative:
I am disputing how Equifax is reporting my XXXX XXXX credit card account. Equifax shows this tradeline with a balance of {$5500.00}, past due {$5500.00}, Account Status : Derogatory, Payment Status : Collection/Chargeoff, and remarks such as Charged off account. Accounts closed by credit grantor, last reported around XX/XX/2025. 
Earlier this year I entered into a resolution/settlement agreement with XXXX for this account and made all required payments. On XX/XX/2025, XXXX Cardmember Services sent me a letter confirming that they received my final payment and that I have satisfactorily completed the terms of the resolution agreement. After that final payment, there should not be an unpaid balance or past-due amount of {$5500.00} being reported as an active charge-off. 
I contacted Equifax and requested that they correct the balance, past-due amount, account status, and remarks to accurately reflect that the account was paid/settled under the resolution agreement. I also provided Equifax with a copy of the XXXX letter dated XX/XX/2025 as proof of payment and completion of the agreement. 
Equifax has continued to report this account as a derogatory charge-off with an unpaid balance, which is inaccurate and misleading. Under the Fair Credit Reporting Act, Equifax is required to ensure maximum possible accuracy and to correct or delete information that is not accurate or can not be verified with current records. I am asking for an immediate, substantive correction, not a generic or evasive response such as verified or updated that leaves the tradeline in the same incorrect status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 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: AZ

Complaint narrative:
There are XXXX medical collections reporting on my Equifax and Experian credit report from the same company, XXXX & XXXX XXXX. The debt has been paid in full with a agreement to have it removed from my credit report. XXXX and XXXX XXXX reported this to all XXXX credit bureaus on XX/XX/scrub> 2025 and only XX/XX/XXXX had it removed from the report. The following amounts were paid in full on XXXX XXXX, 2025. 
{$540.00} {$800.00} {$1600.00} I spoke with Equifax and Experian and was told this was never reported and that I needed to file a dispute. After filing a dispute, they will not let me add the paid in full and deletion letters to the open dispute that I have and said that I would need to wait until they finished their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
I was taking a look at my Experian credit report and I seen all these inquiries I never initiated. I'm asking for Experian to remove these fraudulent inquiries from my report as it is hurting my ability to obtain credit. I've listed all of them below. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-18 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
15 U.S. Code 1666a This related section addresses the handling of disputed amounts on a credit report.

It states that if a consumer disputes an amount in writing, a creditor can not report the amount as delinquent unless the creditor also reports that the amount is in dispute. 
The creditor must also notify the consumer of the name and address of every party to whom they are reporting the disputed information. XXXX XXXX XXXX this account has not been validated for one as authentic debt and its a third party vendor keeps contacting me several times daily for a payment on behalf of XXXX XXXX XXXX they are harassing me if that cant prove the validity of this debt and abide by laws correctly in reporting they cant report on my credit report at all! Per FCRA please follow all consumer laws or I will be forced to sue credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have called the last XX/XX/XXXX months and told them my husband was put on XXXX and needed to have help with his care in home. We had to quit or commercial jobs we were doing and it affected my income. I have my own business and have since 2017. I had to change hours and my hours to be home until I found help. I have asked them please could they lower my XXXX percent interest rate or if I could get some help with my loan or even my {$500.00}. Payment. I have been paying on my loan forXX/XX/XXXX years and they will not help me. They advertise on line but they will not help. I still owe XXXX and my milage is now at XXXX. Can't refinance because now the car is worth less than what I owe. This is my only car and scared to death. I have cried and begged them for help. This has been devastating to me and my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I filed bankruptcy in XXXX in month of XXXX and was XXXX on XX/XX/XXXX. 
LVNV FUNDING XXXX XXXX AGAINST MY PROPERTY IN XXXX. THIS DEBT WAS INCLUDED IN MY BANKRUPTCY ; I CALL SEVERAL TIMES THEY ARE NOT RELEASING XXXX ON MY PROPERTY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
So, I signed up a Robinhood account, and make a n ach transfer from my bank XXXX XXXX XXXX ) to my Robinhood after I did all the verification.

So, I made a mistake of clicking repeat transaction, so I noticed a lot of withdrawal was made so I canceled it and leave just the $ XXXX I made, after it cleared after 7days, I traded it for btc and tried to withdraw to my external wallet, they allowed me to trade it for btc but they wouldnt allow me to withdraw. Its been over 2 weeks and they wont tell me the reason for helding my money and they wont return it back to my external linked bank account.

Robinhood are trying to rip me off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 
The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 
I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-11-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-18 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: IL

Complaint narrative:
Student loans where reported against my credit score for being late XXXX i was not even free during that period. I was XXXX, My address then changed after being released i was not notified myself that the loans were reaching a deadline. Sense XX/XX/year> i have started paying my student loans once i became aware of them on my credit score. Earlier this fall, i would not have let them be late on purpose then start paying them had i known. Ive explained this to XXXX and there seems to be a disconnect in understanding. As none of this matters because of promisary note that was signed over 10 years ago with the inception of my education at the time.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verification consisting of a formal declaration where you swear to the truths of the statement of the facts of matter, have first knowledged and must be notarized. I would like to request the assigned contract along with proof that you have obligations to collect this debt. Since this debt has been disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer with XXXX, XXXX, and XXXX. I hereby, inform you that you do not have my consent to communicate with me through any medium.. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. Also, I did not consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief