vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-21 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: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent hard inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent hard inquiries were initiated without my knowledge or authorization. 
The fraudulent inquiries are : XXXX XXXX XXXX XXXXXXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 
3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent hard inquiries be blocked from my file in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: OR

Complaint narrative:
Subject : CHFA Misrepresentation of Forbearance Terms and Unauthorized Balance Increase Summary : CHFA misrepresented my forbearance agreement. I was explicitly told the forbearance would total around {$900.00} and some change ( three months of my $ XXXXmonth mortgage ). After entering into the agreement, CHFAs Loss Mitigation department informed me the forbearance balance is now {$14000.00} and some change. 

I was told this increase is because CHFA unilaterally added a 4th month into the forbearance without my knowledge or consent. I did not request, approve, or authorize a 4th month verbally or in writing. 

CHFA has since claimed I signed something reflecting {$14000.00}. If such a document exists, my signature was obtained through fraudulent inducement I signed under the misrepresentation, made over the phone, that the balance was {$9000.00} and some change. Consent under false pretenses is not valid. 

Violations : Misrepresentation / Fraudulent Inducement : CHFA promised $ XXXX but bound me to $ XXXX. 

RESPA ( 12 U.S.C. 2605 ) : Servicer failed to provide accurate, transparent disclosures. 

FCRA ( 15 U.S.C. 1681s-2 ) : Reporting a $ XXXX forbearance balance would be inaccurate. 


Impact : My balance was inflated by nearly {$4500.00}. 

This increases interest and fees, creating long-term financial harm. 

My home is scheduled to close on XX/XX/2025, and this inflated payoff directly threatens the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a Method of Verification ( MOV ) request regarding an XXXX XXXX account ending XXXX. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), Experian must disclose : The name, address, and telephone number of the party contacted, The procedure used, and Documentation relied upon. 

Instead, Experian issued a generic non-response directing me to its website, failing to provide the required verification. This is a clear violation of the FCRA. The account continues to show contradictory reporting ( charged off/ written off and balance due ), which is materially misleading.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I reported unauthorized withdrawals from my Chase bank account. Despite wanting to providing documentation, Chase quickly denied my claim and refused to issue a provisional credit. They stated they would not accept my police report as supporting evidence and have declined to escalate the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: SC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$9100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX, XXXX Monthly Interest Paid {$0.00} XX/XX/XXXX, XXXX Monthly Interest Paid {$0.00} I've recieved higher taxes when paying with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dispute of Inaccurate Credit Reporting Charge-Off Account Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened/Closed ( if known ) : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of the charge-off account being reported by XXXX XXXX, formerly XXXX, on my credit report. This account appears on my credit file with a charge-off status dated XX/XX/XXXX. 

I request that this item be investigated under the Fair Credit Reporting Act ( FCRA ), specifically : 1. Inaccurate or Unverifiable Information FCRA 611 [ 15 U.S.C. 1681i ] Under FCRA 611, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Upon receipt of this letter, you are required to investigate the disputed item, verify its accuracy, and respond within 30 days. 

I request verification of the following : The full payment history and original contract with my signature Any documentation proving the debt is valid and accurate The correct charge-off date and outstanding balance That XXXX is the rightful creditor and legally authorized to report this debt 2. Obsolete Reporting FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] FCRA prohibits reporting of charge-off accounts older than 7 years from the date of first delinquency. If the original delinquency occurred prior to XX/XX/XXXX, this account may be considered obsolete and must be removed. 

Please confirm the date of first delinquency ( DOFD ) used to calculate the 7-year reporting window. 



3. Failure to Report Accurate and Complete Data FCRA 623 [ 15 U.S.C. 1681s-2 ] If XXXX XXXX ( or any data furnisher ) is reporting inaccurate or incomplete information, they are in violation of their duty under 623. This includes reporting outdated balances, payment histories, or failing to update accounts accurately after resolution. 



Request for Action Please conduct a thorough investigation of this account and provide me with : The results of your investigation A revised copy of my credit report, if changes are made The method used to verify the information and contact details of the entity that verified it If this account can not be verified or confirmed as accurate, I request that it be deleted immediately from my credit file. 

This letter serves as a formal dispute. If you find that XXXX XXXX is reporting false or unverifiable information, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals office. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am writing to formally dispute the collection account that Jefferson Capital is reporting to the credit bureaus regarding an alleged debt f. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : Equifax Re : Dispute of Alleged Debt Account Opened XXXX Amount {$620.00} Dear Equifax This letter is being sent to you in response to a collection account reported on my credit report in the amount of {$620.00}, opened on XX/XX/XXXX. This debt is being reported without my knowledge, verification, or consent, and I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and a reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Please provide all of the following documentation to validate this alleged debt : 1. A signed contract or original agreement bearing my signature showing I have a legal obligation to pay. 
2. Full account statements showing the amount and itemization of the debt. 
3. The name and address of the original creditor, and proof that XXXX XXXX XXXX has the legal right to collect on this debt. 
4. A complete chain of title and assignment from the original creditor to XXXX XXXX. 
5. A copy of the 1099-C if the debt was canceled, charged off, or forgiven in any part. 

While this account is under dispute and pending validation, you are prohibited from reporting this debt as verified to any credit bureau. Continuing to report inaccurate or unverified information violates 15 U.S. Code 1681s-2 ( b ) and could result in legal action. 

If you can not provide this documentation within 30 days, you must remove this account from all consumer reporting agencies ( Equifax, XXXX, and TransUnion ) and cease all collection activities. 

This is a formal notice sent pursuant to the FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681i ). Please communicate with me only in writing and do not contact me by phone. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-21 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: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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