vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2025 at approximately XXXXXXXX XXXX hours, I made contact with Equifax Credit Reporting Agency and Spoke with XXXX Team member XXXX ( Operator # XXXX ) in regards to the inaccuracy of personnel information in my credit report, and requested that the inaccuracy or incomplete under FCRA Section 607 ( B ) outdated and no longer valid that is not associated with this writer, updated with my correct and current address to maintain the maximum possible accuracy of my credit file. I have made several attempts with in this matter, as well as the entire inaccuracy of my Credit Reporting Profile with all 3 Credit Reporting Agencies with not a lot of support in them Correcting the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NV

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate
violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: William D. Meeker Enterprises, Inc.
State: NY

Complaint narrative:
Some one else use me but I am XXXX I couldnt get XXXX for myself because my income wouldnt mash and but at the the time I had just gotten a law suit and paid all my dept and my credit looked great but and I did have money I did not orthoriseany thing and also I have other inquiries from others I dont know about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I am filing a formal dispute regarding an account reported by SOURCE RECEIVABLES MNGMN for an alleged XXXX XXXX XXXX debt , account # XXXX, balance {$240.00}. I have no contractual or financial relationship with either company. I submitted a written request under FDCPA 809 ( b ) and FCRA 611 for validation but received no response, no signed agreement, no itemized statement, and no chain of title proving ownership or collection rights.

The continued reporting of this unverifiable debt violates FCRA 623 ( a ) ( 3 ) and FDCPA 807. No required 5-day notice under FDCPA 809 ( a ) was mailed either. The account appears to be a third-party collection without legal standing or proper documentation. This raises concerns of misrepresentation and willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CMG Financial Services, Inc.
State: MI

Complaint narrative:
I am trying to close on a mortgage with CMG Financial using a broker ( XXXX XXXX, Loan Number : XXXX ) CMG Financial has missed 3 closing dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They kept changing requirements last minute to unnecessary things the VA doesn't require, such as requiring the title company to remove an address for a 2nd parcel included in the sale, and then remove the 2nd parcel off the deed entirely. They have everything they've asked for and are now purposely dragging their feet for the last week and refuse to give a clear to close so they can reduce their lender credits and increase my closing costs. My cash required to close has increased by more than {$2600.00} in less than a week on the closing disclosures they've sent. The loan cost has nearly doubled from the original estimate from {$5700.00} to {$10000.00} all because of their needless delays. They've literally have everything they've asked for for over a week. There is nothing else needed to close and they won't give a clear to close. The seller is ready to pull the plug on the sale and I am at risk of losing close to {$3000.00} I've spent on repairs and various inspections. I also forgot to extend my homeowners insurance out again when they missed the second closing deadline, so I am currently paying for a homeowners policy on a home I don't even own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
In 2022, my vehicle was repossessed by XXXXBridgeCrest Credit Company LLC during a time of extreme personal and financial hardship. I had lost my job due to the COVID-19 pandemic, and both my newborn child and I were sick with COVID at the time. These hardships directly impacted my ability to stay current on my auto loan.

I received only one letter from XXXX/BridgeCrest Credit Company LLC prior to the repossession, stating that I had a certain number of days to bring the account current. However, after the repossession, I never received any of the legally required post-repossession documentation, including : A written notice of intent to sell the vehicle Details on when, where, or how the vehicle would be sold ( as required under law ) A breakdown of how the sale proceeds were applied to my loan A statement of any remaining deficiency balance or surplus An explanation of my rights to redeem or challenge the balance Despite this lack of legal documentation, the repossession was reported to the credit bureaus and continues to harm my credit standing.

This appears to be a clear violation of the following consumer protection laws : Uniform Commercial Code ( UCC ) 9-611 to 9-616 XXXXBridgeCrest Credit Company LLC failed to send proper notice of sale or a final accounting of the repossession, both of which are required under UCC Article 9 in every state.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 XXXXBridgeCrest Credit Company LLC reported a repossession without providing documentation or ensuring the accuracy and completeness of the record. This reporting is potentially false, misleading, and unverifiable.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 By failing to provide required notices while reporting the repossession, XXXXBridgeCrest Credit Company LLC engaged in an unfair and deceptive act that harmed me financially and emotionally especially given the context of COVID-19-related job and health hardship.

I respectfully request that the CFPB investigate this matter and require XXXXBridgeCrest Credit Company LLC to either : Provide all legally required post-repossession documentation, including the method and results of the sale, and proof of how proceeds were applied, or Remove this repossession from my credit report if they can not provide verifiable and complete documentation. 

Additionally, I request that any attempts to collect a deficiency balance be ceased unless XXXXBridgeCrest Credit Company LLC can prove compliance with UCC requirements. Consumers deserve transparency and legal compliance, especially during times of crisis. I appreciate your support in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Debt was removed from credit report, and they are still contacting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I believe these accounts are fraudulent and unrelated to me. Please look into this matter thoroughly and remove them from my credit report. I have included the necessary documents.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  Reported : XX/XX/year>, | Opened : XX/XX/year> To Whom It May Concern : I am formally disputing and demanding immediate deletion of the collection account being reported by Source Receivables M for {$620.00}, opened on XX/XX/year>. 



This account is being reported on my XXXX  credit file without sufficient identifying information, no original creditor, and no proper validation. Your continued publication of this item violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Applicable Violations of the FCRA : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation within 30 days of a dispute. If the information is inaccurate or unverifiable, it must be removed.

FCRA 15 U.S.C. 1681s-2 ( b ) ( 1 ) The furnisher of this data ( XXXX XXXX XXXX ) must verify the debt in full, including legal right to collect, chain of title, and contract. Without this, you must remove the entry.

FCRA 15 U.S.C. 1681e ( b ) XXXX  must keep maximum accuracy. Continuing to report collections with missing creditor information, no account history, or unverified debt, constitutes negligence or willful noncompliance.

Consumer Financial Protection Bureau ( CFPB ) has issued enforcement actions and consent orders in similar cases, requiring credit reporting agencies to stop reporting unverifiable debt and improve dispute handling practices.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX  continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-31 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-31 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: NJ

Complaint narrative:
I am writing to formally request the XXXX  and deletion of all accounts associated with my personal information due to the recent XXXX XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXF XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX. XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-07-31 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am writing to file a complaint again navy federal credit union regarding multiple charges being posted late causing my account to become negative/low balance.I have been having this problem and still am having this problem that has forced me to look into a new bank for checking. This issue aligns with the recent CFPB findings against Navy Federal for simular practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation