vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: AR

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts and inquiries on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Inquiries : XXXX  XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/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 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a capital one account that got hacked during the years of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing INNOVIS DATA SOLUTIONS, INC. to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: PA

Complaint narrative:
Date : XX/XX/year> Subject : Formal Demand for Removal of Collection Account and Credit Bureau Reporting Due to Breach of Contract by XXXX Dear XXXX XXXX Department, I am writing to formally dispute and demand the removal of any and all debt collection activity and related credit bureau filings associated with XXXX. My position is that XXXX was in material breach of our contract prior to any alleged balance being sent to collections, thereby nullifying any enforceable claim for payment. 

XXXX filed for bankruptcy before fulfilling their contractual obligations to me, including but not limited to completing my orthodontic treatment and providing the lifetime guarantee expressly promised in the agreement. Their failure to complete my treatment and to uphold that guarantee constitutes a clear breach of contract, and as such, I am not legally obligated to pay for services that were never rendered or completed. 

Furthermore, the contract between myself and XXXX contains a Right to Dispute clause, which grants me the right to dispute XXXX failure as a defense to any collection activity, including any undertaken by third parties such as XXXX XXXX XXXX or TekCollect. I have previously submitted written disputes to both XXXX and TekCollect in accordance with this clause. 

Given these facts, I am requesting that TekCollect : Cease all collection activities related to this account ; Immediately remove any negative or derogatory credit reporting associated with this account from all credit bureaus ; and Confirm in writing that this matter is closed and that no further action will be taken.

Any continued reporting or collection attempts on a disputed and legally unenforceable debt could constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Please respond in writing within 30 days to confirm that this collection account has been deleted from my credit reports and that the matter is fully resolved. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am submitting this formal complaint to report multiple inaccuracies appearing on my credit report that are severely damaging my credit reputation. The information reported by certain creditors and furnishers is false, unverifiable, and not associated with me in any capacity. 

1. Wrong Addresses Reported The following addresses have appeared on my credit report, which I have no connection to and have never resided at : XXXX XXXX XXXX, XXXX, NY XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX Address These addresses are incorrect and must be permanently removed from my credit file, as they create false associations that could lead to identity confusion or potential fraud. 

2. Fraudulent / Unrecognized Charge-Off Accounts The following accounts have been reported as charge-offs, yet I have no knowledge of these accounts and never authorized or opened them : XXXX  XXXX ( Account : XXXX ) High Balance : {$360.00} Date Opened : XX/XX/year> XXXX  ( Account : XXXX ) High Balance : {$28000.00} Date Opened : XX/XX/year> These accounts are completely unfamiliar to me. I am disputing their validity in full and request that these accounts be immediately deleted from my credit report under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, as the furnishers have provided unverifiable and inaccurate data.

3. Unfamiliar Credit Inquiries The following hard inquiries were made without my consent or authorization. I did not apply for any credit with these entities and suspect potential identity misuse : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These inquiries were unauthorized and must be investigated and removed immediately as they negatively affect my credit score and imply fraudulent activity.

Requested Actions I respectfully request that the CFPB : Conduct a full investigation into the reporting practices of the above furnishers and credit reporting agencies.

Require the credit bureaus to delete or correct all inaccurate and unverifiable information listed above. 

Ensure that all unauthorized inquiries and false addresses are permanently removed from my credit profile. 
Provide written confirmation of these corrections and the results of the investigation.

These inaccuracies are causing me significant distress and financial harm. I expect prompt corrective action in compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate and verifiable information only. 

Thank you for your immediate attention to this serious matter. I am attaching a copy of my identification and proof of address for verification purposes.

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 2025-11-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ) for continued inaccurate reporting and refusal to remove a debt that was already settled with the original creditor, XXXX XXXX. I settled this debt in full directly with XXXX  XXXX before MCM purchased it. I have provided Midland with full documentation, including settlement confirmation, payment records, and transaction dates.

Despite receiving this verification multiple times over the past year, MCM continues to report this account as owed or derogatory on my credit report. I have requested correction or removal at least ten different times. MCM previously told me the account would be removed once documentation was reviewed, but they now refuse to remove it after acknowledging receipt of my paperwork.

This violates the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ) because the reported information is not accurate or complete, and the Fair Debt Collection Practices Act 15 U.S.C. 1692g, because MCM has failed to properly validate the debt after receiving proof of settlement. Continuing communications and
attempts to treat this as an active debt also raise concerns under 15 U.S.C. 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Stark Collection Agency, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I was misled with payment and they told me that I will be able to make a certain payment but then once I sign the papers they changed the payment on me and said I had to pay a extra XXXX XXXX dollars..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: NY

Complaint narrative:
Alert from XXXX stated Card opened under SUNBIT INC for an amount of XXXX was opened XX/XX/year> user spent XXXX on XX/XX/year>. Got alert on XX/XX/year>. Card was not authorized by me suspected identity theft. Called SUNBIT INC on XX/XX/year> and found out it was an XXXX Credit card opened. SUNBIT did not disclose location of card or any information regarding card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX XX/XX/year>, When I tried logging in my XXXX gift card 's information on prepaidgiftbalance.com there was an error msg stating that the card number and security code do not match. I called their number, and they told me to submit an online request, but the link does not work. they told me to try another day/time. I repeated these steps again, and it did not work again. I told them the link does not work, but they kept saying to clear my browser 's cache. I tried different browsers and different devices, and got the same error message. It seems like they are aware of these issues and are intentionally making us frustrated so that we give up the money. On the back of the card, it is stated that this card is issued by U.S. Bank National Association pursuant to a license from 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 2025-11-13 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX BANK 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 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRSTBANK PUERTO RICO
State: TX

Complaint narrative:
Subject : Mortgage loan incorrectly reported as paid off and closed On Monday, XX/XX/year>, I logged into the XXXX XXXX  online portal to make my monthly mortgage payment. The system displayed a message stating that my loan was paid in full. I immediately called customer service, but they were unable to assist me because it was a holiday and no supervisors were available. 

On Tuesday, I called again, and the representative informed me that the system showed my loan as paid off on XX/XX/year>, for the amount of {$150000.00}, with a note referencing XXXX XXXX. I asked if this could be an error or a mistaken posting of another borrowers payment, but they could not provide a clear answer. 

I called again on Wednesday and was told to call back on Thursday afternoon. On Thursday, I was informed that my case had been referred for investigation. I asked whether the loan had been sold, but they confirmed there was no record of that. 

I also noticed that my XXXX credit report now shows this mortgage account as closed, which is concerning because I have not paid off this loan nor received any confirmation of such. 

I have been asked to call again on Monday, XX/XX/XXXX, to see if they have any updates or answers regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 submitting this letter to dispute several accounts and inquiries listed on my Experian credit report. I believe the information is incorrect and would like it thoroughly investigated. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/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 2025-11-13 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: MA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief