vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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 company threatened to hurt my credit reports and I never had a XXXX  XXXX account and also I was dealing with a hardship where I lost my job due to taking care of my sick mom who ended up passing away and I couldn't afford anything at the time due to hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
This company threatened to hurt my credit reports and I never had a XXXX  XXXX account and also I was dealing with a hardship where I lost my job due to taking care of my sick mom who ended up passing away and I couldn't afford anything at the time due to hardship

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 2025-10-28 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:
My credit report with Experian contains a fraudulent and unauthorized collection account reported by XXXX, account number XXXX, opened on XX/XX/year>, with a balance of {$50.00}. I never opened, authorized, or had any knowledge of this account. There is no valid contract, agreement, or documentation that proves this debt belongs to me. Therefore, this information is false, inaccurate, and unverifiable and must be immediately deleted from my credit file. 

This account was reported and placed without my consent, violating several provisions of federal law, including : 15 U.S.C. 1681i ( a ) Requires Experian to conduct a reasonable reinvestigation and remove or correct any inaccurate or unverifiable information within 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers like XXXX from reporting information they know or should know is inaccurate. 

15 U.S.C. 1681b There is no permissible purpose for reporting or sharing this account.

15 U.S.C. 1681c ( a ) ( 1 ) Prohibits credit bureaus from maintaining or reporting outdated or unverifiable accounts.

15 U.S.C. 1692e ( FDCPA ) Prohibits any false, deceptive, or misleading representation in the collection of debts. 

This account was placed without authorization and without legal basis, directly violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am demanding the immediate and permanent deletion of this fraudulent account from my Experian credit report. 
Failure to remove this inaccurate item within the time allowed by law will constitute willful noncompliance, which may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o for damages, attorneys fees, and statutory penalties.

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 2025-10-28 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: AR

Complaint narrative:
I am submitting to formally dispute the accuracy and clarity of specific items currently reported on my credit file. These accounts appear in a manner that is potentially misleading and may not reflect their true status, including account balances, payment history, and account linkage. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This includes ensuring that all reported accounts, balances, and statuses are correct, clearly distinguished, and verifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
My name is XXXX XXXX XXXX. I obtained my credit reports from XXXX XXXX XXXX and discovered multiple errors that the credit bureaus refuse to properly investigate or correct. This complaint is against all three major credit bureaus for failing to comply with the Fair Credit Reporting Act including 15 USC 1681e b 1681g and 1681i.

I submitted a specific and valid dispute with supporting identification and documents. Despite this the credit bureaus have continued to report inaccurate and unverifiable data. They also failed to provide the required method of verification and full file disclosure that federal law requires.

Below are the disputed items that remain inaccurate or unverifiable Incorrect personal information Previous address XXXX XXXX XXXX XXXX MI XXXX Previous address XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX Employer XXXX Employer XXXX XXXX Late payment and charging reporting errors XXXX XXXXXXXX account ending XXXX XXXX  XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXXXXXX XXXX XXXXXXXX account ending XXXXXXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXXXXXX closed paid account ending XXXX XXXXXXXX XXXX XXXX closed paid account ending XXXX XXXX XXXX XXXX closed paid account ending XXXXXXXX XXXX XXXXXXXX closed paid account ending XXXX XXXX  charge off account ending XXXX XXXX XXXX XXXX closed paid account ending XXXX XXXX XXXX XXXX XXXX XXXX closed paid account ending XXXX I have reason to believe that these accounts are inaccurate incomplete or can not be verified as required by federal law. If any part of the tradeline including payment history balance date opened or status is wrong the entire account must be deleted under 15 USC 1681i a 5.

FCRA violations committed Failure to ensure maximum possible accuracy under 15 USC 1681e b Failure to conduct a reasonable reinvestigation under 15 USC 1681i Failure to provide method of verification under 15 USC 1681i a 7 Failure to provide full file disclosure under 15 USC 1681g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The dealer, XXXX ( operating as XXXX XXXX XXXX ), engaged in a fraudulent scheme : 1. Deceptive Identity : The contract is with " XXXX, '' while the place of business is " XXXX XXXX XXXX, '' obscuring the true seller. 
2. Fraudulent " As-Is '' Clause : The contract contains a legally void, incomprehensible " As-Is '' disclaimer. 
3. Bait-and-Switch : The loan was inflated by {$3000.00} in unauthorized add-ons. 
4. Sale of a Dangerous Vehicle : The vehicle has required over {$10000.00} in repairs, including a critical failure WHERE THE VEHICLE SHUT OFF WHILE DRIVING, a major safety hazard. Capital One funded a loan for a dangerously defective product. 

Capital One 's Complicity & Unconscionable Conduct : I provided Capital One with evidence of this fraud. A representative from the Office of the CEO dismissed the claim, stating that because I " signed the contract, '' the fraud was irrelevant. 

By refusing to investigate and continuing to collect on a loan for a demonstrably dangerous and fraudulently sold vehicle, Capital One is engaging in unconscionable practices and unjust enrichment. They are profiting from a loan that never should have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My phone was stolen and hacked into at a party. The person sent themselves XXXX dollars from my cash app. I tried to file a police report but because the phone was returned to me after the incident I could not. I provided cash app with all of the info and also the info of the police officers I dealt with to confirm what happened. They denied my reimbursement twice, Refusing to contact the police I dealt with. There was no investigation done. Completely unheard of and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
I previously submitted a dispute regarding several inaccurately reported items on my credit report, including charge-offs, collections, closed accounts, and an inquiry associated with a disputed account. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2800.00}, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00}, XXXX ( originally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} ), XXXX XXXX ( originally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1.00} ), and a XXXX inquiry dated XX/XX/scrub>XXXX Upon review, these items appear to contain discrepancies, incomplete information, or unverifiable reporting, which negatively impacts my credit profile and may violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my initial dispute, I have not received verification, explanations, or written confirmation regarding the results of the reinvestigation. This lack of response constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate or incomplete information and request a reasonable reinvestigation, as well as FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires that all information reported be accurate and verifiable.

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 2025-10-28 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: AR

Complaint narrative:
I previously submitted a dispute regarding several inaccurately reported items on my credit report, including charge-offs, collections, closed accounts, and an inquiry associated with a disputed account. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2800.00}, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00}, XXXX ( originally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} ), XXXX XXXX ( originally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1.00} ), and a XXXX inquiry dated XX/XX/scrub>XXXX Upon review, these items appear to contain discrepancies, incomplete information, or unverifiable reporting, which negatively impacts my credit profile and may violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my initial dispute, I have not received verification, explanations, or written confirmation regarding the results of the reinvestigation. This lack of response constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate or incomplete information and request a reasonable reinvestigation, as well as FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires that all information reported be accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MA

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), I am formally requesting reinvestigation of the following inaccurate items : XXXX ( Account XXXX. XXXX * * ) Reported as a Charge-Off/Collection though no verifiable records or balances exist. Incomplete fields and lack of creditor data render the item unverifiable. Please delete under 1681i ( a ) ( 5 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as Derogatory with a {$6100.00} balance but no DOFD or proof of charge-off date. This contradiction violates 1681e ( b ). If verified, please furnish method of verification details per 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ).

I have included identification and address proof for verification. Please complete your reinvestigation within 30 days of receipt and send written results to my address above.

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 2025-10-28 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: GA

Complaint narrative:
Dear Equifax I reviewed a copy of my credit report and I noticed that i have this inquiry that wasn't authorized by me. Under the 15 U.S Code 1681b, a credit inquiry only be made for permissible purpose, If a inquiry wasn't authorized by me, THIS INQUIRY MUST BE DELETE. Additionally, under the 15 U.S Code 1681i, I have the right to dispute all the Inaccurate information that appear in my credit report Unauthorized Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to disclose how past dues {$10000.00} were calculated, with itemized description of every unpaid past due amount ( how much are past dues for unpaid principal, each month, how much are unpaid past dues of interest and how much are unpaid dues for escrow ) as appears on the ledger of the account receivable of the Creditor where my money are deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted valid disputes more than 35 days ago and in prior correspondence. Equifax Experian and TransUnion continue to report inaccurate personal information unauthorized inquiries collections and charge offs. The bureaus have failed to conduct a proper reinvestigation and have not provided the method of verification or documentation relied upon. Their ongoing failures violate my rights under the Fair Credit Reporting Act. 

Disputed items and incorrect personal information to correct or remove Current address listed incorrectly : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Previous address listed incorrectly : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Employers listed incorrectly : XXXXXXXX XXXX XXXXXXXX Unauthorized inquiries to remove XXXX XXXX XXXX XXXX XXXX Entertainment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts to investigate and remove if unverifiable Collection XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Legal basis for complaint 15 U.S.C. 1681i a Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i a 7 Failure to provide the method of verification 15 U.S.C. 1681e b Failure to maintain maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting this XXXX follow-up complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding ongoing inaccurate reporting that remains unresolved despite multiple previous disputes and reinvestigation requests. The continued presence of unverifiable and misleading information on my credit report violates several provisions of the Fair Credit Reporting Act ( FCRA ) and demonstrates noncompliance by both the credit bureaus and the furnishers of information.The following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance {$420.00}, incorrectly reported as 30 days late in XX/XX/2024 and 60 days late in XX/XX/2024. My verified payment history proves these entries are false and must be deleted. 
XXXX XXXXXXXX ( XXXX ) XXXX {$0.00}, yet continues to display derogatory information. A XXXX-balance account should report as XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) Balance {$440.00}, containing outdated and unverifiable data that misrepresents my current standing. 
XXXX  XXXX XXXX XXXX {$940.00}, reported inconsistently across bureaus with no valid documentation supporting the derogatory entry. 
Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureaus are required to conduct a reasonable reinvestigation and correct or delete any information that can not be verified as accurate within 30 days. The failure to do so constitutes a violation of my rights. In addition, FCRA 623 ( a ) ( 2 ) obligates furnishers such as XXXX XXXX XXXX, XXXX  XXXX, and XXXX  XXXX XXXX to promptly update or delete inaccurate data once they have been notified of a dispute. Continued reporting of these false entries after notice is a direct violation of federal law.ermore, under 15 U.S.C. 1666, furnishers are responsible for correcting billing or posting errors that may have resulted in false delinquency reporting. If these late payments stemmed from internal errors, they must be rectified immediately to avoid further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NV

Complaint narrative:
Revco Solutions, a collection Agency claims that I owe {$1700.00} for services rendered at XXXX XXXX XXXX XXXX in XXXX Nevada on XX/XX/XXXX. This is a collection effort for XXXX XXXX XXXX XXXX XXXX entity for a XXXX. I received the first notice from XXXX on XX/XX/XXXX ( XXXX years and XXXX months after the service ). 
On XX/XX/XXXX, XXXX I called XXXX and asked about the debt and told them at the time I was insured under my XXXX XXXX XXXX XXXX XXXX XXXX and that the bill should have been submitted to them. I requested an itemized bill and was told I must request it in writing. 
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and was told that XXXX submitted the claim outside of the allowed timeline, on XX/XX/XXXX and it was denied on XX/XX/XXXX. They said they would try and resubmit it. 
On XX/XX/XXXX, I sent a letter to Revco, via Certified mail, both disputing the collection and requested an itemized bill. 
On XX/XX/XXXX, I received notice from Revco that the debt was valid and must be paid along with an itemized bill. It was also noted that the bill was turned over to collection on XX/XX/XXXX, some XXXX years ago ( and they are trying to charge me interest on the original amount ). 
On XX/XX/XXXX, I again called XXXX XXXX and was told the claim would not be processed and that the time to appeal the decision was long passed. 
On XX/XX/XXXX, I contacted XXXX, who advised they no longer bill for these XXXX and can not even access the records. 
I am now at a dead end and dont know what to do. I feel that the claim if processed in a timely manner would have been paid by my insurance and dont feel their ineptness should result in my having to pay this bill. Any help is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Credit Karma, LLC
State: NY

Complaint narrative:
Ive been contacting Credit Karma, to remove the hard inquiries off of my credit report as it as been identity theft in an attempt to get vehicles. I was never in these places at the time & had been proven thats why they have been removed with other credit reporting bureaus. I want every auto inquiry removed also I want the charge off accounts from XXXX XXXX removed as well as they have not provided me with any proper verification of these charges off accounts. Theyre violating the 15 US CODE 1635, also 15 US CODE 1692g. This is directly impacting my ability to qualify for credit. I will seek statutory damages if theyre not removed.

Company response to consumer: Closed with explanation