vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. 
Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2.Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification.

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported account entry does not accurately represent my payment history and appears to be inaccurate. Please conduct a review and delete it.

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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing inaccurate credit reporting by Experian regarding an account furnished by XXXX XXXX XXXX ( Account # XXXX ). Experian is reporting this account as XXXX XXXX with an {$8100.00} balance and {$7800.00} written off. I believe this information is inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

I have requested verification and documentation from both XXXX XXXX XXXX and Experian, including the date of first delinquency, payment history used to determine the charge-off, and proof that TD Auto Finance retains legal ownership of the account. No such documentation has been provided. 

I am requesting that Experian and XXXX XXXX XXXX conduct a reinvestigation and provide evidence of the alleged debt. If it can not be verified, I request that the account be deleted or corrected immediately in compliance with FCRA 611 ( a ) ( 5 ).

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan ( Joint ) Date Opened : XX/XX/XXXX Status : Charged Off ( {$8100.00} past due as of XX/XX/XXXX ) Balance : {$8100.00} Status Updated : XX/XX/XXXX Original Balance : {$14000.00}

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX regarding an account furnished by XXXX XXXX XXXX ( Account # XXXX ). XXXX is reporting this account as Charged Off with an {$8100.00} balance and {$7800.00} written off. I believe this information is inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

I have requested verification and documentation from both XXXX XXXX XXXX and XXXX, including the date of first delinquency, payment history used to determine the charge-off, and proof that XXXX XXXXXXXX XXXX  retains legal ownership of the account. No such documentation has been provided. 

I am requesting that XXXX and XXXX XXXX XXXX conduct a reinvestigation and provide evidence of the alleged debt. If it can not be verified, I request that the account be deleted or corrected immediately in compliance with FCRA 611 ( a ) ( 5 ). 

Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan ( Joint ) Date Opened : XX/XX/XXXX Status : Charged Off ( {$8100.00} past due as of XX/XX/XXXX ) Balance : {$8100.00} Status Updated : XX/XX/XXXX Original Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Halsted Financial Services for what appears to be targeted, repetitive, and potentially retaliatory collection activity. This occurs while I already have an active CFPB complaint and dispute involving XXXX XXXX XXXX concerning another account. 
CFPB Complaint # XXXX was already filed against XXXX. 

On XX/XX/year>, I received an email from Halsted Financial Services stating that they are now managing my Bank XXXX Missouri ( XXXX ) account for XXXX XXXX XXXX. The email lists a balance of {$1700.00} and offers a discount settlement for {$1300.00}, claiming that XXXX XXXX is the current creditor. 

This communication raises several compliance and consumer protection concerns : 1. Pattern of Conduct : XXXX XXXX is actively involved in another ongoing CFPB complaint and dispute with me regarding a separate account. Despite this, they have initiated new collection activity on another account through Halsted Financial Services. This behavior may constitute targeted collection or retaliation, prohibited under the FDCPA ( 806, 15 U.S.C. 1692d ) and CFPB Regulation F ( 12 C.F.R. 1006.18 ).

2. Failure to Provide Validation and Material Account Information : The debt collection agency has failed or refused to provide the essential and necessary documentation required for debt validation, including : The last statement date from the original creditor ; The last date of account activity or payment ; An itemized breakdown of the amount owed; and Proof of ownership or assignment from the original creditor XXXX XXXX XXXX XXXX  ) to XXXX XXXX XXXX. 
Without these records, I have no way to verify the legitimacy, accuracy, or age of this alleged debt. This omission violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ), which require accuracy, transparency, and proper consumer notice before continued collection or credit reporting.

3. Improper or Misleading Reporting : XXXX XXXX and/or its third-party collectors appear to continue reporting or threatening to report accounts to the credit bureaus without verifying their validity. Such actions may constitute violations of FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 2 ) ( A ) ( false representation of the character, amount, or legal status of the debt ).

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC\XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Equifax,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the Equifax data breach XXXX XXXX in which the personal information of over 147 million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in 2024, as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\n\nAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerelyXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called in to Capital One customer service on XX/XX/year> at XXXX ( PST ) and spoke with XXXX, a customer service representative, regarding a late fee that I was assessed on XX/XX/year>. His XXXX ID # is XXXX. XXXX stated that he was unable to waive the late fee because the system was not allowing him to. I then asked XXXX to speak with someone else who would be able to assist. XXXX stated that he was not sure by what I meant and said that anybody else would tell me the same thing. I asked XXXX to get me to a supervisor or someone above him and he gave me a wise response by saying, " You should have said you wanted to speak to a supervisor if that is what you meant ''. His rude comment made me very upset because I felt like he did not want to help me nor was he trying to help me. He then connected me to a supervisor, XXXX. Her XXXX ID # is XXXX. XXXX offered to help me set up my payments to automatic and was more friendly until she stated that she could not refund the late fee either. I asked XXXX why the fee could not be refunded and she stated that it is on the disclosure and her system is unable to refund the fee. I shared with XXXX that I have called in to the customer service number in the past and got a late fee refunded once without an issue. She continued to state that she could not refund the {$25.00} late fee. I asked XXXX who her higher up supervisor is or what department I can speak with to try and get this fee refunded and she said there was nobody above her or anybody else who would try to help. XXXX then offered to file a complaint against the customer service agent, XXXX. After the complaint was filed. I asked XXXX to close out my account because their customer service has always been the worst and they are unwilling to help out their customers. XXXX kept referring back to the late fee but at that point, I was very unsatisfied with the customer service of the entire company. I was shocked to know that there was nobody in the company that can refund a small {$25.00} late fee. While XXXX was reading the disclosure, I had questions and she was unable to answer those questions without giving me a wise response as well. I was unable to close out my account because of some details that XXXX stated during the disclosure and will need to call back at a later time to close my account. I am extremely disappointed with this well-known, big company.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal complaint : my credit report contains inaccurate entries that are harming my credit and causing significant financial and emotional distress. These are not mistakes.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
SOUTHWEST CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SOUTHWEST CREDIT is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Exchange LLC
State: NV

Complaint narrative:
Dear To Whom It May Concern '' I am writing in regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I am requesting validation of this alleged debt. Please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed breakdown of the charges and how the amount was calculated ; Proof that I am legally obligated to pay this debt ( e.g., signed contract or agreement ) ; A copy of the judgment ( if applicable ) ; Your license number and the name of the state where you are licensed to collect debts. Until you provide proper validation of the debt : I request that you cease all collection activities including phone calls and letters. This letter serves as my written dispute of the alleged debt. If you report this debt to any credit reporting agency without providing the requested validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I request that this collection be removed from my credit report immediately Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XX/XX/XXXXUS CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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