vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I recently pulled my credit report and notice multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my second attempt reporting these unauthorized inquiries. I need help getting them removed. Please and thank you.I recently pulled my credit report and notice multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my second attempt reporting these unauthorized inquiries. I need help getting them removed. Please and thank you. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX [ Credit Bureau XXXX ] [ Address ] Re : Dispute of Charge-Off Entry under FCRA Section 1681 To Whom It May Concern : I am writing to dispute a charge-off entry on my credit report. The account in question is : Creditor : PATIENTFI Account Number : Date of Charge-Off : XX/XX/XXXX This information is inaccurate/incomplete because the account was paid off early and the payment history and amount incorrect Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter removing the inaccurate information from my credit report. 

Please complete your investigation within the 30-day window as required by law. Kindly send me a written confirmation of the outcome. 

Sincerely, 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 2025-08-04 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
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 Subject : Dispute of Inaccurate Information on Credit Report under FCRA 15 U.S.C . 1681e ( b ) & 1681i ( a ) To Whom It May Concern, I am writing to formally dispute certain inaccurate information that is being reported on my credit file. I obtained a copy of my credit report from your agency on [ insert date ], and I have identified specific items that are inaccurate, incomplete, and/or unverifiable. 

The item ( s ) I am disputing are as follows : 1. Creditor Name / Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX ] Reason for Dispute : [ This account is reporting 3 different dates of last activity, if it's the same account being reported by the same creditor why is this different?

Please Delete account for inaccurate reporting. In addition the account balance amount is not the same. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting inaccurate, outdated, or unverifiable information is a direct violation of this statute.

Furthermore, under 15 U.S.C. 1681i ( a ), I am formally requesting that you reinvestigate these disputed items and delete or correct any information that can not be verified within 30 days of receipt of this letter. Please provide me with a written response of your findings and actions taken. 

I expect these inaccuracies to have this account removed from my credit report as required by law. Please send me a copy of my updated credit report once your investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
b'Issue Summary:\nEquifax failed to properly handle my credit dispute, sent private dispute results to an unauthorized address, denied me access to my updated credit report, and obstructed my ability to verify how disputed accounts were reviewed. These procedural failures have also caused cascading issues with XXXX ability to generate a 3-bureau report.\nFull Description:\nOn XXXX XXXX XXXX, I submitted a formal dispute to Equifax via the CFPB portal to challenge inaccurate or outdated information on my credit file. While Equifax has claimed that the dispute was processed and resolved, the following serious failures have occurred:\nDispute Results Delivered to the Wrong Address:\nEquifax mailed my dispute results and revised credit file to an address I do not live at and never authorized for mail delivery.\nThis constitutes a breach of privacy.\nI did not receive the dispute results or my updated credit report as required by law.\nBlocked Access to My Credit File:\nI am unable to access my credit report or dispute records through myEquifax.com. Every attempt to log in or create an account results in errors, despite repeated verification steps.\nFailure to Provide Verification or Furnisher Contact Details:\nEquifax has not provided any documentation, furnisher details, or verification results regarding the disputed tradelines. I have no way to confirm that proper reinvestigation procedures were followed.\nDisruption of Access to Experian:\nAs a direct consequence of the errors in my Equifax file, I am now receiving the following message when attempting to pull my 3-bureau report through Experian:\n"Sorry, we can\'t show you today\'s 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file."\n\n\n\nCorrect Mailing Address for Record:\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
In early 2025, I applied for a refinance through Rocket Mortgage to resolve an urgent legal matter. Rocket Mortgage refused to approve or fund the loan unless I authorized them to use my equity to pay off all negative tradelines showing on my credit report, regardless of whether they were disputed, unvalidated, or even legally enforceable. I was told I could not negotiate these debts myself unless I restarted the entire loan process, risking denial. Under duress, I authorized Rocket to proceed. Rocket never disclosed this payoff condition in my Loan Estimate or Closing Disclosure. They ultimately issued five checks totaling tens of thousands of dollars to XXXX XXXX XXXX, XXXX, and XXXX XXXX. This wiped out most of my equity. No settlement was offered, no alternative presented. This conduct amounts to coercive lending and violates RESPA, TILA, and UDAAP protections. I am requesting an investigation, restitution for financial harm, and enforcement action to prevent this equity-stripping scheme from harming other consumers. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 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:
I am submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports. 
Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation : Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2025-08-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2025-08-04 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

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 USC 1681 Section 602A ( Section 1 ) also states a consumer reporting agency can not furnish a report without my written instructions.

15 USC 1681 Section 605 ( a ) ( 2 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 ( b ) ( A ) 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.

Here are the accounts below : 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 USC 1681 Section 602A ( Section 1 ) also states a consumer reporting agency can not furnish a report without my written instructions.

15 USC 1681 Section 605 ( a ) ( 2 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 ( b ) ( A ) 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.

Here are the accounts below : 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 USC 1681 Section 602A ( Section 1 ) also states a consumer reporting agency can not furnish a report without my written instructions.

15 USC 1681 Section 605 ( a ) ( 2 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 ( b ) ( A ) 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. 

Here are the accounts below : 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 2025-08-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am submitting a formal follow-up complaint concerning inaccurate and potentially unauthorized information appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I have reason to believe the reported amount is incorrect. I am requesting a thorough investigation, and if the account can not be fully verified with complete documentation and clear proof of ownership, I respectfully request its immediate removal from my credit fileXXXX 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 XXXX XXXXXX/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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I lost my job months prior to the car being repossessed and I did my best to make payments and communicated effectively with them to ensure it doesnt get repossessed. My payments were {$400.00}, with the APR rate of 24 %. They sold the car to me for {$14000.00} on XX/XX/year>2023 with a down payment of {$3000.00}. Upon repossession, they sold the car for {$7000.00} & requested that I pay {$9300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: DE

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