vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Account Name : XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX What happened : I disputed this account with all three credit bureaus and provided full verification of identity. The bureaus did not conduct a reasonable investigation and verified information that is inaccurate and inconsistent across Equifax, Experian, and TransUnion. 

This same account is reporting different account types, different statuses, and different remarks, which violates FCRA 607 ( b ) and the XXXX XXXX. 

Equifax reports the account as Collection Installment, Status : Open TransUnion reports the account as Collection Installment, Status : Open Experian reports the account as Installment, Status : Closed The same account can not legally be reported as both open and closed or as both a collection and an installment loan. 
This shows the bureaus and the furnisher did not perform a proper investigation under FCRA 611. 

Dates : Date opened : XX/XX/year> Date reported : XX/XX/year> Balance : {$430.00} High balance : {$430.00} Monthly payment : {$0.00} Past due : {$0.00} What I am requesting : I am asking for a full and reasonable investigation and for the removal or correction of all inaccurate and inconsistent information related to this account across all bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This complaint is no mistake my credit report contains inaccuracies that fail to meet the maximum accuracy standard. These errors are severely burdening me, negatively impacting my life in unimaginable ways during these tough times. Correcting or removing them is essential and urgently needed.

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 2025-11-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XXXX XXXX, my vehicle was repossessed without proper notice and in a manner that I believe violated my consumer rights. I was never provided with adequate written communication regarding any default, the amount allegedly owed, or a right to cure the account before repossession occurred. I had previously contacted the company multiple times to resolve the issue and was told that my account was under review and no further action would be taken during that time. 
Despite this, the vehicle was taken without warning, and I did not receive any documentation itemizing the balance, sale information, or my right to redeem the vehicle as required by law. I have reason to believe the company did not follow proper procedures and failed to provide legally required disclosures before and after the repossession occurred. I am requesting a full investigation and for this repossession to be removed from my records due to these compliance issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
the amount is {$390.00} I am still unsure what it is for but I do know I do not owe the debt. I disputed it with them and attempted to dispute it with BBB but keep getting error message : To help BBB effectively resolve complaints, we require that your submission reflect your personal experience with the business. Unfortunately, we can not accept your complaint because it contains language identified as template text. If you would like BBBs assistance, you XXXX submit a new complaint written in your own words, describing your specific concerns with the business. If you believe this determination was made in error, please contact your local BBB directly using our directory. 

I do not have a contract now or ever before with this company attempting to collect this fraudulent debt. 

The relevant U.S. code is the Fair Debt Collection Practices Act ( FDCPA ), found in 15 U.S.C. 1692 et seq. Specifically, 15 U.S.C. 1692f prohibits unfair practices, which includes collecting amounts not owed or permitted by 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
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Please see supporting documents pertaining to XXXX data breach

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 2025-11-18 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a summons to appear for a pretrial conference/mediation regarding a past due amount on a milestone credit card from concora credit. I appeared via XXXX on the date of XX/XX/XXXX at XXXX a.m. I disputed the claim that the debt was mine denying all knowledge of the account. It is not my debt nor did I ever have any knowledge of this account/card being opened. I am now set to go back before a judge on XX/XX/XXXX at XXXX a.m. I am filing this complaint in an attempt to settle this disputed account as not being mine. The past due amount on the credit line in question is XXXX. I believe this to be a result of identity theft. I disputed it on through the credit karma app several times in hopes that it would go away. Midland Credit management is the debt collector that has apparently bought the debt of the milestone credit line and is now attempting to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
This letter serves as my final follow-up regarding the negative items that continue to appear on my TransUnion credit report despite previous disputes and despite the fact that Experian and Equifax have XXXX deleted these same items following their investigations. 

XXXX XXXX XXXX * * * * CAPITAL 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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have called and sent support chats to CashApp compliance letting them know that XXXX XXXX Bank says that their security flags are restricting access to adding funds to my account from my verified bank account. The XXXX codes have been securely linked several times and managers are doing nothing to allow me to access money with my debitcard # ending in XXXX. It's XXXX and XXXX and their going me atm fees that are unjustified and unwarranted even though XXXX using free aims they said we're free to use. If my card was accessible and not being restricted by their network I wouldn't be grieved by their company not doing anything about it. 
CashApp XXXX $ PliesLady XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-17 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: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs and Late Payments, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX number along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I request that the following fraudulent items be blocked within 4 business days. I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX  XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a Credit Line opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a Car Loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. They have resulted in multiple fraudulent ( Hard Inquiries, Collections, and Charge-offs ) appearing on my consumer FICO credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. 

Under the FCRA, you have four business days to block fraudulent data from my credit report upon receipt of documentation. I demand the immediate removal of all fraudulent items, a cessation of all related collection activity, and confirmation that a manual investigation has been initiated. Non-compliance will result in legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: KS

Complaint narrative:
Complaint Against : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What happened : I am filing this complaint because two debt collectors * XXXX XXXX XXXX ( medical account ending XXXX ) and * XXXX XXXX XXXX ( account ending XXXX ) have violated federal law by continuing to report and verify debts to Equifax without ever providing me with the required debt validation. 

For months, I have repeatedly requested debt validation directly from both collectors through their online portals. Neither company has provided any documentation whatsoever, including : No original contract No itemized billing No proof of assignment No evidence I owe these debts Despite my repeated validation requests, both collectors continued reporting the accounts, and even verified them as accurate to Equifax during Equifaxs reinvestigation. 

This is a violation of : FDCPA 809 ( b ) ( continuing collection activity without validation ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverified information ) FCRA 623 ( a ) ( 8 ) ( E ) ( i ) ( failure to properly investigate direct disputes ) FCRA 1681s-2 ( b ) ( failure to conduct a proper reinvestigation ) Equifax is also at fault for continuing to report these accounts even after being notified that the furnishers never validated the debts, which violates their obligations under FCRA 611 and 1681i. 

I have disputed these items with Equifax multiple times. Each time, Equifax states the collectors verified the debts, even though the collectors have not provided me with ANY validation, which they are required to do by law. 

This situation has caused financial harm because the inaccurate and unvalidated collection accounts are preventing me from obtaining credit and raising my scores. 

What I want : I am requesting that the CFPB require : Immediate deletion of both collection accounts from my Equifax credit report XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXXXXXX ) That both collectors be required to : Provide validation OR Cease all collection activity and cease reporting As required under FDCPA 809 ( b ) That Equifax correct my credit file and confirm deletions in writing. 

Both furnishers have failed to comply with federal law, and Equifax continues to report unvalidated information. I am requesting the CFPBs assistance in resolving these violations. 

Supporting documents : I am including : The Equifax dispute results showing both accounts were verified My personal information as requested A statement confirming that I requested validation from both collectors multiple times over months and received no response END OF CFPB COMPLAINT TEXT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Mortgage Choice LLC dba: Motto Mortgage Choice
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed an unauthorized hard credit inquiry TODAY ( XX/XX/year> ) after I explicitly requested a soft pull only for USDA pre-qualification. 

I have text messages proving : I asked for a soft pull only XXXX XXXX acknowledged the request She performed a hard inquiry anyway without separate written consent or disclosure that it would lower my score This violates the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( A ) and CFPB Regulation V. The hard inquiry has already dropped my credit score 5 points and is jeopardizing my ability to purchase a home.

I demand : 1. Immediate removal of the hard inquiry from XXXX XXXX XXXX XXXX XXXX. Written confirmation of removal within XXXX hours XXXX. Compensation for any damages caused Attached : screenshots of text messages with XXXX XXXX and agent XXXX XXXX confirming soft-pull request.

Company response to consumer: Untimely response