vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NV

Complaint narrative:
I am not tied to these accounts, and removal within 15 days is required by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Experian is reporting several charged-off accounts and other derogatory items that I believe are inaccurate, incomplete, or not properly verified. I have attempted to resolve these issues directly with the bureau, but the reinvestigation results were not satisfactory. 

Charged-Off Accounts in Dispute The following accounts are being reported inaccurately and require proper verification : XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$360.00} Issues : Some accounts appear duplicated. 

Some contain incomplete or conflicting dates and balances. 

Some furnishers have not provided documentation validating ownership or accuracy. 

I am requesting full documentation validating these accounts per FCRA 609 and 611. 

Late Payment Reporting XXXX Acct : XXXX This account is reporting late payments that I do not recognize and have not been properly verified. 

Request I am asking Experian to : Conduct a proper FCRA reinvestigation. 

Provide full validation for each account. 

Delete any items that can not be fully verified.

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 2025-12-03 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: GA

Complaint narrative:
I am writing to dispute fraudulent closed accounts appearing on my credit file under protection of 15 U.S.C.1681c-2, which allows consumers to block information resulting from identity theft. 

- Creditor Name : MIDLAND CREDIT MANAGEM - Account Number : XXXX - Date Open : XX/XX/year> - Amount : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am truly overwhelmed because these inaccurate accounts continue to show up on my credit report and nothing has been removed. I am desperately asking that the documents I included be examined thoroughly so I can finally let go of this stress that has been weighing on me.

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 2025-12-03 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: AL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
On or about XX/XX/year> I called planet home lending ( PHL ) and spoke with a lady named XXXX in the mitigation department. I explained that although my mortgage is current for now it is a struggle for me to pay due to loss of half my income. I was working XXXX jobs when I closed and a month later I lost XXXX of those jobs which has put me in a financial crisis honestly. XXXX then tells me that since my loan is not in default I can not get assistance and that they can not help me. I asked what should I do and she says I cant legally tell you to stop paying your mortgage. So I did some research and found on PHLs website there is a page dedicated to assistance and it plainly states that if you are in imminent danger of becoming default there is help. I called back on or about XX/XX/year> and spoke with XXXX who claimed to be a manager in the mitigation department. XXXX asked questions and took down some info and found that my income is not enough to cover all of my bills. She says Ill be receiving an email with a letter that I need to sign and send back asap. I told XXXX XXXX XXXX and she sounded surprised and told me that due to staffing shortages they have people from other departments answering phones. After a week I had not received the email she said I would be receiving so I called and spoke with XXXX who did a great job answering my questions and she told me I am supposed to receive this email in letter form first and then in email form. I finally got the letter and sent it back immediately but have heard nothing ever since. So I called PHL again on XX/XX/year>. I spoke with a man named XXXX who told me the same thing XXXX told me. I informed XXXX that he was wrong and I asked to speak to a supervisor. XXXX asked me WHY did XXXX need to speak to anyone else and WHY didnt I just accept his answer. He kept asking me WHY every time I tried asking to speak with someone else! I found this to be very rude and extremely off putting. I asked him for his name and agent number XXXX XXXX. Then later on I called and got the same treatment from customer service. I think its important too that I mention my mortgage was sold to this company immediately after I closed with XXXX XXXX XXXX  group so its not like I chose to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: DE

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate and misleading credit reporting related to my auto loan. 

I voluntarily surrendered my vehicle to XXXX XXXX at the beginning of XX/XX/year> because the transmission failed. The vehicle was physically returned to the lender, and I have not had possession of the car since that time. 

Despite the vehicle being surrendered, XXXX XXXX continued to report the account as late for XXXX and XXXX, as if I was still responsible for making monthly payments on a vehicle that was no longer in my possession. Instead of closing or charging off the account after the surrender, XXXX XXXX left the account open and continued to add delinquencies to my credit report. This has caused additional and unnecessary damage to my credit profile.

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 2025-12-03 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: DE

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate and misleading credit reporting related to my auto loan. 

I voluntarily surrendered my vehicle to XXXX XXXX at the beginning of XX/XX/year> because the transmission failed. The vehicle was physically returned to the lender, and I have not had possession of the car since that time. 

Despite the vehicle being surrendered, XXXX XXXX continued to report the account as late for XXXX and XXXX, as if I was still responsible for making monthly payments on a vehicle that was no longer in my possession. Instead of closing or charging off the account after the surrender, XXXX XXXX left the account open and continued to add delinquencies to my credit report. This has caused additional and unnecessary damage to my credit profile.

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 2025-12-03 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: NRA Group, LLC
State: PA

Complaint narrative:
I am filing a complaint because XXXX is reporting several accounts that do not belong to me and has failed to verify them with documentation despite prior disputes. The accounts are : XXXX Bank ( Account ending XXXX XXXX XXXX ), XXXX XXXX ( Account ending XXXX XXXX XXXX ), National Recovery ( collection account ), and XXXX XXXX XXXX ( Account XXXX ). I disputed these accounts with XXXX multiple times, including last month and previously about XXXX months ago, yet XXXX returned the same result each timeverified as accuratewithout providing any verification documents. 

XXXX only provided billing statements, which do not prove I opened the account or authorized credit. XXXX has not provided any signed application or identity verification records. National Recovery has not provided any original contract or proof of debt ownership. XXXX also failed to provide any documentation, even though XXXX has already removed the XXXX account from my file for being unverified. These accounts continue to report on my XXXX report despite the lack of documentation confirming I am the responsible party. 

I was also a confirmed victim of the XXXX/ XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ), meaning my personal identifying information was exposed and may have been used to open fraudulent accounts. Because of this breach and the lack of documentation from the furnishers, XXXX should not continue reporting accounts that can not be verified using original applications, identity match records, and account-opening documentation. 

Equifax has not provided any of this documentation, only generic responses stating that the furnishers verified the information. This does not satisfy FCRA verification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I discovered multiple inaccuracies being reported by XXXX XXXX and Ally on my credit reports. These companies are reporting incorrect account status, inaccurate payment history, and dates that were changed years after the original delinquency. These actions caused the accounts to be re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX has updated the date of first delinquency ( DOFD ) after the charge-off, causing the account to remain on my report longer than legally allowed. Ally is reporting repeated charge-off codes throughout XXXX even though the account was already closed and charged off, which is inaccurate and misleading. 

Both furnishers reporting violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), as the information they are providing to the credit bureaus is not accurate or consistent. 

I have already disputed these inaccuracies directly with the credit reporting agencies, but the companies have continued to report incorrect information. These errors have harmed my credit score, impacted my ability to obtain transportation and stable housing, and caused financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: WV

Complaint narrative:
tried to use XXXX XXXX to consolidate my bad credit and they just took money never reached out to creditors to try and make deals with them to resolve the issues. they then sold my account to Velocity Investments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
These accounts are not linked to me and must be taken down within 15 days per USC 1681g.

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 2025-12-03 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: MD

Complaint narrative:
I am a consumer who is in the process of fixing my credit. I am disputing the following accounts that have been reported inaccurately. Below is a list of the accounts in question, separated by bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} Inquiries : XXXX XXXX, Date : 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 non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to respond to my dispute requests in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Equifax via mail, requesting an investigation into inaccurate items appearing on my credit report, as well as the correction of incorrect personal information. To verify my identity, I enclosed the following supporting documents : A copy of my government-issued identification A copy of my Social Security card A recent utility bill showing my current address Despite providing all necessary documentation, I did not receive any response or the results of an investigation from Equifax. 
As of today XX/XX/year>, I have still not received any response, update, or acknowledgment of my dispute. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Equifax is legally obligated to conduct a reasonable reinvestigation of disputed information when a consumer notifies the agency of inaccuracies. By failing to properly investigate my dispute Equifax is legally obligated to conduct a reasonable reinvestigation of any disputed information. Equifaxs failure to respond or investigate indicates a violation of my rights as a consumer. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing this matter and ensuring that Equifax fulfills its obligations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I was charged a late fee in XXXX after making an extra payment on my account. My payment date is on the XXXX of each month. In XXXX my recurring payment was short by {$10.00} due to increased activity on the account. I made the XXXX payment on the XXXX in the amount of {$65.00} which was before the due date however short {$10.00}. Ok I agree to the late fee that was assessed in XXXX for the XXXX shortage. I still think that it is absurd to charge a late fee of {$29.00} for a {$10.00} shortage when I have an impeccable payment history with this company. 

I made an additional payment on the account on XX/XX/XXXX to cover the {$10.00} shortage for the XXXX minimum payment due, therefore having a payment of {$190.00} applied to the account which would cover the {$99.00} minimum due for XX/XX/XXXX. I also made a payment on XX/XX/XXXX in the amount of {$65.00} which is the recurring amount that is setup via my bank account. 

Capital One is telling me that the {$190.00} remaining from the payment on XX/XX/XXXX was paid too early to cover the minimum payment due on XX/XX/XXXX. My question is why is the extra payment not covering the XXXX minimum due of {$99.00}. I've made XXXX phone calls to Capital One to discuss this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received a text message from my bank asking if spent {$250.00} in XXXX, TN. I responded with " No '', and they replied that they were unable to service the response. Then I got another text message at XXXX XXXX asking if I spent {$200.00} and I once again said " No '' but received the same response from them. In the morning I checked my banking app and I see that there are XXXX of these charges totaling {$1900.00} and none of these I authorized. I called the bank and told them about it and they told me since the charges are " pending '' they can't do anything yet but block the merchant. I had to wait till the charges posted to call the bank back and dispute these fraudulent charges. It has been a week now and I have no further information about the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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