vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
b'JXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX\n\nSubject: Complaint Against Equifax  Inaccurate and Incomplete Credit Reporting (XXXX XXXX XXXX)\n\nTo Whom It May Concern at the CFPB,\n\nI am filing a formal complaint against Equifax for inaccurate and incomplete reporting on my credit file in violation of the Fair Credit Reporting Act (FCRA). My Equifax report, dated XXXX XXXX XXXX, shows a closed account with XXXX XXXX XXXX marked as a charge-off ("CO") in XXXX XXXX However, the payment history reveals a conflicting timeline that undermines the accuracy of this derogatory reporting.\n\nKey issues include:\n\nXXXX XXXX*Missing XXXXDay Late Entry:** There is no record of a XXXX-day late payment in the account history prior to the reported XXXX XXXX, and XXXXday delinquencies in XXXX XXXX. Per standard delinquency progression, a XXXX-day late should precede any longer delinquencies. Its absence implies inaccurate or backdated reporting.\nXXXX **Charge-Off Contradiction:** A charge-off in XXXX XXXX is unsupported by the prior consistent on-time payments from XXXX  through XXXX XXXX.\nXXXX. **Lack of Reasonable Procedures:** Equifax has not demonstrated compliance with FCRA  607(b), which mandates reasonable procedures to assure maximum possible accuracy.\n\nIn XXXX XXXX the CFPB fined Equifax XXXX million** for systemic failures to correct errors and accurately report consumer credit data, further showing a pattern of non-compliance.\n\nI am requesting a full reinvestigation and the following actions:\n- Full deletion of the account from my Equifax.\n\nPlease find attached a screenshot of the disputed account from my Equifax report as evidence.\n\nSincerely,\n\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MD

Complaint narrative:
What happened to my mobile check deposits for {$13.00} and {$23.00}! Of course you don't want to respond like a bunch of cowards! You owe me an explanation! Don't make it worse for yourselves! Online banking means trash customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
My name is XXXX XXXX, and under 15USC 1692c you violated my rights by unlawful communications. this collection is invalid. remove it from my credit report immediately or i will pursue all legal remedies available.

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 2025-06-18 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 2025-06-18 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:
A review of my credit file reveals an inaccurate hard inquiry. I did not authorize this credit pull, and there is no permissible purpose for it. I kindly ask that it be removed at once.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Dispute of Collection Accounts Reporting FCRA Violation Dear CFPB Representative, I am submitting this formal dispute concerning the reporting of one or more collection accounts currently appearing on my credit report. I believe these accounts are being reported inaccurately, incompletely, or without proper legal justification, and therefore should be permanently removed under the Fair Credit Reporting Act ( FCRA ). 
1.RADIUS GLOBAL SOLUTION ACCT # XXXX According to FCRA 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], consumer reporting agencies must maintain maximum possible accuracy of the information they report. If an item can not be verified, it must be removed. Additionally, under FCRA 611 [ 15 U.S. Code 1681i ], I am entitled to a reinvestigation of any item I dispute. If the creditor or collection agency fails to verify the accuracy and completeness of the account within 30 days, it must be deleted. 

Furthermore, FCRA 623 [ 15 U.S. Code 1681s-2 ] places obligations on furnishers of information to report accurate information and to correct any information found to be inaccurate or incomplete. Continued reporting of unverifiable, outdated, or incomplete collection accounts constitutes a violation of this provision. 

In many cases, collection agencies do not retain the original documentation required to validate the debt. As such, I am requesting that all collection accounts be fully validated by the original creditor and collection agency. If they can not provide documentation proving the accuracy of the debt, including a full payment history and original agreement, I respectfully demand that the accounts be permanently removed from my credit report.

Requested Actions : 1. Conduct a full reinvestigation of the disputed collection accounts.

2. Require the furnishers of these accounts to provide full documentation that legally validates the debt.

3. Permanently delete any collection accounts that can not be verified under the FCRA.

Please treat this dispute with urgency, as inaccurate collection reporting is causing undue harm to my creditworthiness and is in violation of federal law. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX [ XX/XX/XXXX ] SSN ( last 4 digits ) : [ 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 2025-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: PA

Complaint narrative:
I asked Selene XXXX, a debt collection agency to provide me with my XXXX 's mortgage statement but they refuse to send it to me. They have told me that it is not in their system and that I do not owe for XXXX nor XXXX because those payments have been made. They are telling me that I do not owe for these XXXX months because the previous debt collector XXXX XXXX paid it. 
I have asked them for proof in writing stating that I do not owe for XXXX and XXXX but they keep telling me that the documented proof has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of Complaint: This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent\ncollections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
failure to properly validate and remove as well as send me some cookie cutter rational of why I should XXXX  my information for verification when they have already assumed the risk and are vicariously liable for what comes next

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 2025-06-18 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:
failure to properly validate and remove as well as send me some cookie cutter rational of why I should XXXX  my information for verification when they have already assumed the risk and are vicariously liable for what comes next

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I have had a XXXX XXXX XXXX card for XXXX  XXXX. I had report XXXX XXXX earlier that I had fraud relating to an account opening with another financial institution. But apparently one of credit bureau send a notice to close my credit card with no notice. This is not only thing either they has also kept the wrong address even after months of providing my real id from past 10 years

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 2025-06-18 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:
I have had a XXXX XXXX XXXX card for XXXX XXXX. I had report XXXX XXXX earlier that I had fraud relating to an account opening with another financial institution. But apparently one of credit bureau send a notice to close my credit card with no notice. This is not only thing either they has also kept the wrong address even after months of providing my real id from past 10 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have had a XXXX XXXX XXXX card for XXXX XXXX. I had report XXXX XXXX earlier that I had fraud relating to an account opening with another financial institution. But apparently one of credit bureau send a notice to close my credit card with no notice. This is not only thing either they has also kept the wrong address even after months of providing my real id from past XXXX  years

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EAST WEST BANK

Complaint narrative:
Dear US CFPB, I am writing to lodge a complaint against a manager at East West Bank for their misconduct towards XXXX clients. A staff member of the bank introduced to me the basic details of a financial product in XXXX, highlighting that the investment XXXX is XXXX year, with a guaranteed return of the principal upon maturity. They took advantage of my limited XXXX proficiency to urge me into signing the contract for their financial product. However, I have today discovered that the actual terms of the financial product bear no resemblance to what was initially presented. Their deceptive conduct led me to make an ill - informed investment decision, resulting in significant financial losses. 
This incident has not only imposed a substantial financial burden and immense psychological stress on XXXX clients like me who have been victimized but also severely undermined the confidence of international clients in the US financial sector. Many international users in my circle, upon learning of this matter, have expressed profound doubts regarding the regulatory rigor and effectiveness of the US financial market. 
To assist your investigation, I am willing to provide, at any time, detailed information about this case, including my correspondence with the manager, the specific documentation of the financial product, and records of investment transactions. 
Thank you for your attention to this matter. I look forward to your prompt and impartial investigation. I trust that you will take appropriate action against East West Banks misconduct to uphold market integrity and safeguard consumer rights. 
Yours faithfully, XXXX XXXX XX/XX/year>

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 2025-06-18 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am disputing an auto loan account from Credit Acceptance Corp. This account is reporting as a repossession on my credit report. However, there is a serious inconsistency in the Date Last Active between XXXX  and XXXX. XXXX bureau reports the last activity in XXXX, while another says XXXX. This suggests the account may have been illegally re-aged, which is a direct violation of FCRA 605 ( c ). I have already disputed this with the credit bureaus, but the account remains. Additionally, this account is showing multiple derogatory comments ( e.g., " Voluntary Repossession '', " Returned Voluntarily '' ) which are impacting my credit unfairly. No documentation has been provided to justify the continued reporting or the re-aging.

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 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
Easy pay finance was used on XX/XX/XXXX to attempt to purchase our dog. We were not told our APR would go up to 178 % if we didnt pay for the first 90 days and now we owe them {$2400.00} just in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and several accounts and inquiries listed on my credit report were neither authorized nor initiated by me. These items are incorrect and do not pertain to my credit history.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the unauthorized accounts and inquiries from my credit report. To assist in the investigation, I have attached a list of the disputed items as well as a copy of my Identity Theft Report, which I filed with the Federal Trade Commission. 

I kindly ask that you promptly investigate and remove these fraudulent entries from my credit file. Once the corrections have been made, I request written confirmation of the changes, along with an updated copy of my credit report reflecting the updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
After checking my credit report on XXXX, I discovered that there was an incorrect late payment reported for the GUARANTEED RATE/SM loan account XXXX on XXXX. 
The XXXX was subsequently transferred to the XXXX Mortgage servicing company starting XXXX XX/XX/2021. The XXXX transfer window for mortgage service account transfers XXXX have resulted in confusion with the computer on the collection of the XX/XX/2021 mortgage payment for loan # XXXX as the result of debt transfer between Guaranteed Rate mortgage servicing and Shellpoint Mortgage servicing. 

I will include the letter from Guaranteed Rate Mortgage servicing that outlines this situation and that I have XXXX XXXX to make that loan payment to the new mortgage servicing company XXXX Mortgage. 

I contacted GUARANTEED RATE/SM about this matter and the refused to have the item removed from my credit report. Despite the fact that they logged the delinquency during the XXXX transition period for the loan from Guaranteed Rate/SM to XXXX XXXX Mortgage servicing XXXX which XXXX was unaware of until the XXXX. 

I am writing to have this late payment item of the GUARANTEED RATE/SM loan account XXXX on XXXX to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld collections has a negative amount on my credit score for XXXX  and XXXX  in relation to a debt from XXXX. This account belongs to my ex wife and I have never lived at that service address. Please have this removed off of my credit

Company response to consumer: Closed with explanation