vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
Recently, I did an investigation On my credit report and found several items on there to be an and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately

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 2025-06-09 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: CA

Complaint narrative:
I sent a letter requesting, collections off my of credit. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the XXXX day period beginning on the date you received this notice. 

The following accounts be verified or removed immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a XXXX database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has XXXX  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 sent a letter requesting, collections off my of credit. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the XXXX day period beginning on the date you received this notice. 

The following accounts be verified or removed immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a XXXX database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has XXXX  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I got some of the disputes resolved yet the rest are denied even though they are pretty much the same thing for purchases made at the same time for the same game as seen in the document submitted. 
It makes no sense why can't I just get back everything instead of having to fight over this when I can't even access the product that I have paid for due to the partial refunds that XXXX did originally. 
And I do not understand why some of these disputes were denied/rejected even though I submitted said addition documents that were requested again as show in the document but apparently no one is reading the document or even zooming in on the photos shown in the documentation. 
I'd love to talk over the phone to go into great deal about the documentation to explain everything so it won't just be a back and forth solely through reading the documents and getting my side of the story straight from the source. 
I can also get you a video of me logging into the game to show that there is no possible way for me to access or even show the said products that I have purchased due to the account getting banned if the two screenshots at the end of the Dispute for case # XXXX XXXX XXXX XXXX ( 1 ) file isn't enough proof which shows the account name, ID, level of account and the other showing the account ID which is attached to that banned message in the other screen shot. 
There is also screenshots from my gmail showing the receipt of the purchases made and conversation I had with a XXXX about not getting the rest of the refunds and what I should do to get the rest processed back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXXXXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$32000.00} XXXX BANK - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX AUTO - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00}

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 non-monetary relief
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
Im writing to formally dispute inaccurate and unacceptable information that is currently showing on my credit report. Ive reviewed my report carefully, and I found entries that are flat-out wrong and do not reflect my actual financial activity or history.

Specifically, the information in question is either outdated, incorrectly reported, or completely unrelated to any account Ive ever opened or authorized. I did not consent to, authorize, or participate in the activity that has been recorded under my name. 

This misinformation is not only misleading, it is actively damaging my creditworthiness and potentially impacting my ability to secure housing, employment, or financial services which is completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
CFPB Complaint Against Carrington Mortgage Services Submitted via : CFPB Complaint Portal Date : XX/XX/XXXX XXXX. Complaint Summary Carrington Mortgage Services is attempting to collect payments without providing legally required transfer notices ( RESPA 2605 ( b ) ) and is complicit in a fraudulent loan transfer scheme orchestrated by XXXX XXXX Despite my demands since XX/XX/XXXX, Carrington has refused to validate its ownership of my loan or provide payment instructionsviolating federal law and enabling financial harm. 
2. Key Violations RESPA 2605 ( b ) Failure to send transfer notice within 15 days.

FDCPA 1692g Failure to validate debt upon request.

Fraudulent Servicing Transfer Carrington is collecting on a loan with no valid assignment. 
XXXX. Timeline of Attempts to Resolve XX/XX/XXXX : First disputed UWMs fraudulent transfer with XXXX XXXX ( Case # XXXX ) XXXX 
XX/XX/XXXX : Sent Carrington a RESPA Qualified Written Request ( QWR ) + Final Demand Letter ( received XX/XX/XXXX ). 
Demanded : Original note, payment history, proof of transfer. 
Result : No response. 
XX/XX/XXXX : Escalated to Michigan XXXX, CFPB, and Hawaii XXXX. 
XXXX. Demand for Immediate Action The CFPB must : Order Carrington to : Produce the original wet-ink note and complete chain of title.

Refund all payments collected illegally ( no valid transfer notice ).

Pay {$1000.00} in RESPA penalties ( for failing to respond to QWR ).

Freeze all collection activity ( credit reporting, late fees, foreclosure ). 
Investigate XXXXCarringtons collusion in mortgage fraud. 
XXXX. Attached Evidence Exhibit A : Copy of XX/XX/XXXX RESPA QWR to Carrington. 
Exhibit B : Hawaii XXXX complaint ( # XXXX ) XXXX 
Exhibit C : Screenshot of UWMs fraudulent transfer notice.

6. Closing Statement This is part of a documented pattern of fraud by XXXX/Carrington . I demand the CFPB intervene before irreversible credit damage occurs. If no action is taken within 15 days, I will escalate to federal court under RESPA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX/XXXX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 non-monetary relief
Consumer complaint received 2025-06-09 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: MD

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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
This letter serves as my final demand to delete the following invalid and unverified negative accounts that continue to be reported on my XXXX and Equifax credit report despite multiple previous disputes : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  This account has been paid in full and is closed in good standing. 
XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  This account has also been paid in full and is closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
An account was opened with PayPal Credit in my name in XXXX. It is not mine, and I did not authorize it. XXXX has sold the defaulted account to XXXX XXXX XXXX, a credit collection agency, which is suing me in the XXXX XXXX XXXXXXXX XXXX for an outstanding balance of {$4000.00}. I was served with a summons on XX/XX/XXXX, which I have XXXX  days to answer. This collection agency has failed to provide a signed agreement or contract connecting me to this account, despite my repeated requests through their attorneys. In the court complaint/Summons, their attorneys claim that no signed agreements or contracts exist. This should be considered harassment and intimidation. PayPal Credit has made the process too easy for fraud to happen. I have since filed an FTC complaint and installed a fraud alert on all three credit reporting agencies.

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 2025-06-09 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: IL

Complaint narrative:
This is my second formal complaint to the Consumer Financial Protection Bureau regarding Equifax Information Services, XXXX and their continued refusal to accurately report my credit information. 

On multiple occasions, I have submitted disputes to Equifax concerning inaccurately reported late payments on my credit report. With each dispute, I included clear and credible documentation proving the payments were made on time, such as : Statements and billing confirmations Screenshots or copies of payment confirmations XXXX and supporting documents to verify my identity and address Despite this, Equifax continues to report these accounts as delinquent, and they have failed to properly investigate or correct the record. Instead, they responded by simply claiming the information was verified by the creditoryet they have provided absolutely no documentation or proof of this so-called verification, despite my explicit demand under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) for : a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available. 

First CFPB Complaint Ignored I previously filed a complaint with the CFPB on XX/XX/year>, and even submitted my government-issued ID and a utility bill, but the CFPB closed XXXX complaint stating Equifax could not verify my identity. That response was both baseless and insulting, as my documentation was complete and valid. 

Continued Noncompliance This pattern of failure by Equifax is not just negligent ; it is a violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification when consumer requests it At this point, it is clear Equifax is failing to uphold its legal obligations and acting in bad faith. If this issue is not escalated and resolved by the CFPB, I will have no choice but to pursue civil litigation against both Equifax and the furnishing creditors for failing to : Conduct reasonable investigations Provide proper notice and verification Ensure accurate consumer reporting I am fully prepared to take legal action if necessary. This complaint should be taken seriously and acted upon immediately.

Company response to consumer: Closed with non-monetary relief