vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and unvalidated information reporting on my credit profile. I have never authorized, validated, or confirmed the reporting of the following data. Therefore, under my rights provided by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Standards, and the Consumer Data Industry Association ( CDIA ), I am demanding full factual verification. 

You are required to ensure that all data furnished to consumer reporting agencies is XXXX XXXX accurate, fully verifiable, and compliant with XXXX XXXX standards. The CDIA CRRG makes it clear : Any deviation from these standards jeopardizes the integrity of the data. I am exercising my right to request factual evidence proving the accuracy, completeness, and legality of each account listed below. You are obligated to verify : The full chain of ownership Original documentation with my live wet signature Permissible purpose for reporting Proper data field population per XXXX XXXX guidelines Compliance training certification of any employee who has handled this file Failure to provide full verification means you are reporting false, incomplete, and misleading information in direct violation of : FCRA XXXX ( b ) Failure to assure maximum possible accuracy FCRA XXXX Failure to reinvestigate disputed information FCRA XXXX Lack of permissible purpose FCRA XXXX & XXXX Civil liability for willful and negligent noncompliance THE FOLLOWING ACCOUNTS ARE BEING DISPUTED : Accounts : XXXX - XXXX Collections : XXXX XXXX - XXXX You have failed to provide any documented proof that these claims are accurate, valid, or legally reportable. If you are unable to fully verify the information in strict accordance with federal law and XXXX XXXX standards, I DEMAND IMMEDIATE DELETION of all disputed items from my credit file. 

This is your final opportunity to comply. My next correspondence will serve as a formal Letter of Intent to Sue ( LOITS ), wherein I will seek all available statutory damages of {$1000.00} per violation, as allowed under XXXX XXXX XXXX. 

You are now fully aware of your obligations. Non-compliance will be documented as willful negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: OR

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 2025-06-19 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: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am filing this complaint to dispute multiple negative accounts on my credit report that are inaccurate, unverifiable, or potentially fraudulent. Despite my efforts to dispute these accounts directly with the credit bureaus and debt collectors, the issues remain unresolved. 

The accounts in question include ( but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( a ), I am entitled to have any information that is fraudulent, resulting from identity theft, or unverifiable blocked ( removed ) from my credit report within 4 business days of notification and proof. 

These negative items have not been properly validated, and I request that they be blocked and removed immediately to prevent further harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
after reviewing my report i notice things on on my credit report that u did not reconize i been affected by the data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Kriya Capital, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Communication Notice Pursuant to 15 U.S. Code 1692c ( c ) To Whom It May Concern, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), requesting that you cease and desist from any and all forms of communication with me regarding any alleged debt you claim I owe.

According to the law : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication the debt collector shall not communicate further with the consumer.

Let this letter serve as your legal notice that I am exercising my rights under the FDCPA. I am requesting that you immediately cease all communication with me via phone, email, mail, or any other means.

Please be advised that any further communication from your agency after receipt of this letter will be considered a willful violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal remedies.

This notice is being sent via certified mail and is to be kept in your records as evidence of my formal request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
For many months my account has had unapplied funds used to offset the monthly payment and as such that is how the funds have been used. 
I have attached statement and proof of payments since XX/XX/XXXX to show this. 
Early this month SPS decided to do whatever they wanted with my unapplied funds without my permission and applied the funds to the escrow account. 
On XX/XX/XXXX I called and spoke to XXXX # XXXX in XXXX and demanded the Unapplied funds be reversed to be used for the XXXX monthly payment. This was corrected. 
SPS then added the amount of {$4100.00} which is the monthly payment as past unpaid amount but as shown in all the statements provided and BOA payments there is absolutely no unpaid amounts. 
Also, as you can see from the XX/XX/XXXX letter attached it is evident that SPS has no idea what it is doing with this account and it's servicing. 
I have also attached the Mature Loan Letter dated XX/XX/XXXX that also clearly indicates the amount due and that there are no past unpaid amounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I am being illegally harassed regarding a XXXX account that was sold in XXXX  for the amount of {$11000.00} for months. I was told that my account was bought by a company and now I am being harassed and threatened to garnish my wages. The company has contacted my employer. This company has all my personal information without my consent. I am reaching out for help ASAP because I have been told that this is illegal and I need to pursue legal action ASAP before my wages are garnished. Garnishing is suppose to take place in XXXX. This account has been XXXX meaning debts are forgiven and no longer legally required to repay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX NA Date : XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
I am an active-duty military servicemember filing this complaint regarding a {$310.00} collection account related to XXXX XXXX XXXX The debt was paid in full through their assigned collection agency, and I have confirmed this via phone with the agency directly. However, the account continues to report negatively on my credit profile despite being fully resolved. 

I have attempted multiple disputes through the credit bureaus with no change. Most recently, I spoke with the collection agency and was told they can update the record to show its paid, but they can not delete it. This contradicts common credit industry practice where paid collections may be removed as a courtesy or by request especially for those working to rebuild their credit. 

As an active-duty member protected under the Servicemembers Civil Relief Act ( SCRA ), I am requesting CFPB assistance in having this account fully removed from my credit reports. It is resolved, and continued reporting serves no purpose other than to damage my ability to obtain stable housing and transportation, which are essential to my duties. 

I am not requesting a balance update I am requesting a complete deletion of this account from all credit reporting agencies based on : Full payment and resolution Prior disputes being ignored or unresolved The direct statement from the collector confirming the balance is {$0.00} My active-duty military status Please escalate and ensure this collection is deleted entirely from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I previously filed CFPB complaint regarding a false collection from Transworld Systems for a XXXX  account. XXXX claims the balance includes a {$60.00} dishonored check fee. 

I never paid XXXX by check. I paid the full {$1000.00} balance via XXXX XXXX on XX/XX/year>. XXXX issued a final bill showing a {$0.00} balance. This proves the check fee is fictional. 

The collection is invalid. It was removed from my credit before and has reappeared multiple times despite disputes. I am now requesting permanent removal and written closure. This is repeated false reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am the owner of a vehicle originally titled in Georgia. I paid off the loan and received a lien release. However, the XXXX  XXXX has informed me that the title was removed from their records following a transfer initiated to Tennessee. I contacted the XXXX XXXX XXXX, who confirmed that on XX/XX/year>, Tennessee notified XXXX that action was required to complete the title transfer. XXXX never responded, and as a result, Tennessee never received the title, and Georgia deleted their record assuming the transfer would complete. The vehicle is now in legal limbo- it can not be titled, registered, or sold in any state due to the negligence of XXXX. I have been on the phone with escalations who has simply given me the runaround and informed me to call back and that they " hopefully '' will have a resolution in XXXX.

Company response to consumer: Closed with explanation