vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: LA

Complaint narrative:
I was wanting to see how much equity is in my current loan. I requested to opt out of all selling and using my information for anything. Once I went through the XXXX website I had numerous calls back to back without stopping. Here is the website.. 
Was not what I signed up for after opting out. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I am deeply frustrated to see that the inaccurate accounts are still appearing on my credit reports and nothing has been cleared. I am pleading for my attached documents to be looked at carefully so I can finally stop living in constant worry about this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Identity theft, fraudulent activity Dates included in pdf attatched

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-15 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  midland credit is claiming I opened an account and owe {$1300.00} I have disputed this with them multiple times and they refuse to show me what account it is what the account was for. And yet they wont remove it from my credit report. 

And XXXXXXXX XXXX is claiming on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX I open account with them and I have requested the original contract for these accounts and they wont show them to me. I know for certain I didnt open these accounts because my wife was XXXX in a car accident on XX/XX/XXXX and I have been a total wreck and not doing anything or going anywhere for a entire year and a half. So I know these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX is claiming I opened an account and owe {$1300.00} I have disputed this with them multiple times and they refuse to show me what account it is what the account was for. And yet they wont remove it from my credit report. 

And LVNV funding is claiming on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX I open account with them and I have requested the original contract for these accounts and they wont show them to me. I know for certain I didnt open these accounts because my wife was XXXX in a car accident on XX/XX/XXXX and I have been a total wreck and not doing anything or going anywhere for a entire year and a half. So I know these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXIncorrect Name : - XXXX XXXXIncorrect DOB : - XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXXEmployer - XXXX XXXX XXXXXXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This follow-up pertains to a dispute I filed under FCRA 611 ( 15 U.S.C. 1681i ) concerning multiple inaccuracies currently reflected on my credit report. Despite submitting documentation clearly supporting my claims, the credit bureaus have failed to update the disputed information or provide sufficient details about the reinvestigation process. Specifically, there are inaccurate addresses still being reported XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX neither of which are associated with my current or previous residences. Additionally, the account with XXXX XXXX XXXX is being reported as late and closed, yet the payment history is not accurately reflected, and no evidence of delinquency has been provided. Furthermore, accounts with XXXX XXXX XXXX, XXXX XXXX, and XXXX are being reported as charge-offs, but the balances are either inaccurate or unverifiable, particularly the XXXX account, which shows no balance at all. I provided the necessary information to support these corrections, but no meaningful update or reinvestigation results have been shared. These reporting errors continue to harm my credit profile, and the lack of transparency in the reinvestigation process is unacceptable.

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 2025-10-15 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: GA

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX  XXXX Continental Finance ( XXXX/CONTFIN ) Summary : I am disputing a closed credit card account reported by XXXX/CONTFIN on my credit report that is marked as charge-off/collection despite showing no late payments ( XXXX ) and no past due balance. 

The account was opened in XX/XX/XXXX and closed in XX/XX/XXXXXXXX XXXX The highest balance listed was {$760.00} on a {$400.00} limit, but no 30-, 60-, or 90-day late payments appear which directly contradicts the charge-off status. This inconsistency and lack of supporting information violates the Fair Credit Reporting Act.

My legal concerns : FCRA 607 ( b ) : Accuracy Obligation The data furnisher and credit reporting agency are required to ensure maximum possible accuracy. Reporting a charge-off without any delinquency history is contradictory and misleading.

FCRA 611 ( a ) : Dispute and Reinvestigation I am disputing this tradeline as inaccurate and/or incomplete. I requested reinvestigation from the credit bureaus, and I have not received any documentation that verifies this account was delinquent prior to being charged off. 

FCRA 609 ( a ) ( 1 ) : Source Disclosure I request that XXXX or the credit bureau provide the original documentation and contractual records used to verify the charge-off status and balance. If this can not be verified through original records, it must be removed. 

Requested resolution : Immediate deletion of the XXXX/CONTFIN tradeline from all credit reporting agencies unless it can be verified with full, original documentation from the creditor Written confirmation of the results of the investigation Assurance that no unverifiable, inconsistent, or contradictory data will be re-reported

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 2025-10-15 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: WA

Complaint narrative:
b'Good day,XXXXI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profileXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: WA

Complaint narrative:
b'Good day,XXXXI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profileXXXX 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 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am filing a formal complaint against Bank of America regarding a late payment reported on my credit card, account ending in XXXX. I had autopay enabled and active on this account to ensure timely payments. 
Without my consent or any valid notification, Bank of America disabled this autopay service. I never received any communication that my autopay for account ending in XXXX had been canceled. 
As a direct result of this failure to notify me, a very small balance of {$10.00} went unpaid. The moment I discovered this oversight on XXXX XXXX XXXX, I paid the balance in full immediately. 
I have already sent a formal letter to Bank of America, and they responded with a form letter stating their reporting of 2 missed payments was " accurate. '' This response is unacceptable, as it completely ignores the fact that the missed payment was caused entirely by their action of disabling my autopay and their failure to properly notify me of this change.

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 monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
To Whom It May Concern, This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have.

18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TN

Complaint narrative:
I am following up regarding inaccurate information on my credit report. The XXXX account is incorrectly reported as a charge-off, despite the balance being {$0.00}. I request its removal immediately. Additionally, the XXXX XXXX account requires a full reinvestigation to verify its accuracy. If the account can not be verified, it must be corrected or deleted. Please provide written confirmation of the investigation results and an updated credit report reflecting any corrections. These inaccuracies are affecting my financial stability

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 2025-10-15 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: IN

Complaint narrative:
am filing this complaint because XXXX / XXXX is reporting inaccurate and unverified information on my credit reports. 

I previously sent written disputes via certified mail requesting verification and documentation under the Fair Credit Reporting Act ( FCRA 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Despite receiving my dispute, XXXX XXXX XXXX did not provide any supporting documentation or validation proving the accuracy of the account, but continued furnishing data to the credit bureaus. 

The tradeline shows inconsistent balance information, an incorrect payment status, and improper re-aging that makes the account appear more recent than it actually is. This reporting is misleading and violates FCRA accuracy standards. 

I am requesting that the CFPB require XXXX / XXXX to : 1. Provide complete account documentation, including original signed agreements, statements, and charge-off details.

2. Immediately delete or correct the inaccurate tradeline from all credit bureaus if verification can not be substantiated.

3. Cease further furnishing of unverifiable data.

4. Compensate me {$1000.00} for FCRA violations and resulting damage to my credit.

I have attached copies of my original dispute correspondence, certified mail receipts, and credit report screenshots showing the inaccurate tradeline.

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
approximately called to make XXXX  transfer informed I t is a security issue and a letter had been sent, Further information that was a letter sent to my home address in Arizona. However I am in XXXX, The bank has notified, the have sent debit and credit cards, previous agents have accepted the addresss as well as conducted other international transfers. Navy Federal has a secured text line where I explained the issue with no respose. Phone callsnow are hung up on. additionally I am XXXX  and been recommented by XXXX XXXX XXXX XXXX XXXX XXXX  and extremly difficult to visit a branch in the US and have no offices in XXXX. I am requesting the issue and what to do to remove it Thank you XXXX 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 2025-10-15 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: NC

Complaint narrative:
THE ACCOUNT SHOWS AN INCORRECT DELINQUENCY THAT NEVER OCCURRED.

Company response to consumer: Closed with explanation