vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I, XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
I am submitting a formal complaint against Experian for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I identified discrepancies in the following accounts : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account contains several inconsistencies including wrong status and inconsistent dates. 

Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : This account contains several inconsistencies including wrong status, inconsistent dates, incorrect high balances, and and inconsistent number of late payments. 

I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
In XX/XX/year> I began receiving phone calls/voice mails from a debt collector named XXXX regarding a collection account in their office. He stated he was with Midland Credit. I requested for communication to be by mail only. 

Only XX/XX/year> and XX/XX/year> I sent a request to Midland Credit requesting additional information about the debt/validation. I have yet to receive any correspondence from the Midland Credit and yet they remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: TX

Complaint narrative:
this is the 2nd letter I sent. the debt collector won't validate the debt : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX sent via USPS priority mail with tracking on XX/XX/XXXX Re : 2nd Request for Debt Validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) - Account XXXX Employee ID XXXX To Whom It May Concern : I am in receipt of your second collection notice dated XX/XX/XXXX and received on XX/XX/XXXX. You have not responded to my letter sent via USPS Priority Mail on XX/XX/XXXX requesting full debt validation. This failure violates 15 U.S.C. 1692g of the Fair Debt Collection Practices Act.

Please provide the following : 1. A copy of the signed original contract/relocation agreement outlining the terms and conditions of the relocation fee.

2. The job description tied to my offer including salary and duties.

3. A pay stub or earnings statement clearly showing the date and method the bonus was issued.

4. A breakdown showing how this amount was taxed and reported as income.

5. A copy of my 2024 W-2 showing how this was reported to the IRS.

6. A written explanation of how repayment is handled for tax reporting purposes 7. Confirmation that no negative credit reporting will occur during this process and that the matter is not currently reported to any credit bureau.

8. Proof of your license to collect debts in Texas.

9. All business names used by your company.

You must cease collection efforts until full validation is provided. 

I reached out to XXXX XXXX XXXX CEO on XX/XX/XXXX also in an effort to resolve this. To date, neither your company nor XXXX XXXX has provided the validated debt in writing as listed above ( XXXX ). As such, I am also now contacting the Attorney General of Texas, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Thank you. 

XXXX XXXX XXXX : Office of the Attorney General of XXXX  Federal Trade Commission ( FTC ) Consumer Protection Division Consumer Response Center XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX ( XXXX ) Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-05 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:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express XXXX XXXX account was closed on XX/XX/XXXX, but the membership fee ( include main account and additional account, total {$890.00} ) for the new year was charged on XX/XX/XXXX, considering the charges is so close to the account closure time, I contact American Express multiple times to ask to refund my membership fee, but I never get it back and nor valuable response from their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a XXXX  complaint ( XXXX ) & a second one just now XXXX mins ago because of them not fixing the issues after receiving my complaint. BOA responded only by changing the account status from closed to current, but refused to delete the tradeline. Ive disputed this with XXXX XXXX XXXX XXXX again. Under FCRA, if BOA cant verify the account is accurate, it must be deleted. Im requesting full removal of this tradeline from all credit reports.

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 2025-07-05 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:
Im trying to purchase a home, but mismatched personal information on my credit report is causing serious delays. My name and other details dont align with my ID and other documents.

Ive included the letters and ID needed to update everything. Fixing this would help me move forward with both my home and future business plans. These errors have affected my life, and Im hoping they can be corrected soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Im XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in XXXX of XXXX i purchase a XXXX hard top online from a company " XXXX XXXX XXXX '' that was about XXXX. I financed it through " XXXX ''. The item never came, and i alerted XXXX a few different times about that but they didnt do anything about it and just claimed i still owed them. i reached out to XXXX XXXX XXXX and they gave me the run around stating i need to deal with it through XXXX XXXXXXXX put my account into collections which hurt my credit history and continues to hurt it claiming a charge off late every month since. I disputed it with XXXX and they denied it, i disputed it to experian and they denied it as well. I looked at online reviews of XXXX XXXX XXXX and it looks like this has happened to many other people, not just me.

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 2025-07-05 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: AZ

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
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

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 2025-07-05 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:
Reason for Dispute : I am formally disputing a fraudulent real estate loan reported on my credit file by XXXX XXXX XXXX XXXX in the amount of {$28000.00}. 

I have never applied for or co-signed any loan with this lender. 

The loan was allegedly opened in XXXX, during which time I was unemployed and financially incapable of qualifying for any real estate loan. 

I am a victim of identity theft, and this account is the result of someone fraudulently using my personal information. 

I am also a survivor of the XXXX XXXX and have lost everything my home, stability, and personal belongings. 

This fraudulent account is now preventing me from rebuilding my life. I am currently homeless and unable to secure housing or financial support due to the presence of this false debt on my credit report. 

This is a complete fraud and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

XXXX XXXX XXXX XXXX XXXX XXXX : Headquarters Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States Phone Number ( Main ) : XXXX ( XXXX ) XXXX Website : XXXX : XXXX Supporting Documents Submitted With Complaint : Government-issued photo ID FTC Identity Theft Report Signed Identity Theft Affidavit Screenshot of credit report showing this account Statement detailing my medical and housing hardship FEMA documentation ( if requested ) confirming my status as a wildfire survivor Requested Resolution : I respectfully demand the immediate and permanent deletion of this fraudulent XXXX XXXX XXXX XXXX account and all associated derogatory marks from my credit report. 
Please confirm the deletion in writing via email once this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was approved for an auto loan from XXXX XXXX  a couple years ago and was scammed with my information. I was taken advantage of by some man unfortunately thinking theyd help me with getting a car and they just used my information for unknown purposes. This situation has been very stressful and has been holding me back financially and Im not sure what to do. My report says I bought a car for over $ XXXX ive never bought a vehicle hence, I havent made any payments on it. Ive never signed off on a vehicle or made a purchase this big in my life. I really just want to repair my credit and get my life in order. Please help me solve this issue thankyou

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was approved for an auto loan from XXXX XXXX  a couple years ago and was scammed with my information. I was taken advantage of by some man unfortunately thinking theyd help me with getting a car and they just used my information for unknown purposes. This situation has been very stressful and has been holding me back financially and Im not sure what to do. My report says I bought a car for over $ XXXX ive never bought a vehicle hence, I havent made any payments on it. Ive never signed off on a vehicle or made a purchase this big in my life. I really just want to repair my credit and get my life in order. Please help me solve this issue thankyou

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was approved for an auto loan from XXXX XXXX  a couple years ago and was scammed with my information. I was taken advantage of by some man unfortunately thinking theyd help me with getting a car and they just used my information for unknown purposes. This situation has been very stressful and has been holding me back financially and Im not sure what to do. My report says I bought a car for over $ XXXX ive never bought a vehicle hence, I havent made any payments on it. Ive never signed off on a vehicle or made a purchase this big in my life. I really just want to repair my credit and get my life in order. Please help me solve this issue thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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