vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I requested full verification and validation of the alleged repossession debts, including the original signed retail installment contract, complete payment history, repossession notice, deficiency balance statement, proof of sale or assignment, and proof of ownership after the vehicle was sold, along with any Form 1099-C that should have been issued. I also requested copies of all required correspondence under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

It has been well over 90 days, and neither the furnishers nor the credit bureaus have provided a single document, verification, or any proof of compliance. This
is a direct violation of FCRA 1681i, 1681s-2 ( b ), and XXXX XXXX reporting standards, which require that only accurate, verified, and complete data be furnished. 
Continuing to report these repossessions without verification is willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. This reporting is false, misleading, and damaging, and it demonstrates a complete failure to reinvestigate and validate. 
I am demanding immediate and permanent deletion of these repossession accounts from all credit bureaus for failure to verify, failure to investigate, and continued unlawful reporting in violation of federal law and XXXX XXXX compliance guidelines. These items are not to be reinserted under any circumstances, per FCRA 1681i ( a ) ( 5 ) ( B ) .This is a XXXX XXXX and FCRA factual dispute regarding an inaccurate and unverifiable repossession account reported by Westlake Financial Services XXXX I have been disputing this account for well over 90 days and have received no verification, no documentation, and no lawful reinvestigation from either Westlake Financial or any credit bureau. 
I specifically requested full verification and validation of the alleged repossession debt, including : The original signed retail installment contract Full payment history Repossession notice and deficiency balance documentation Proof of sale or assignment of the vehicle Proof of ownership after the sale Any Form 1099-C that should have been issued following the sale I also requested copies of all required correspondence under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). None of this information has been provided.

Westlake Financial has violated FCRA 1681i, 1681s-2 ( b ), and XXXX XXXX XXXXeporting standards, which require that only accurate, verified, and complete information be furnished to consumer reporting agencies. Continuing to report this repossession without verification constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I paid off a SeedFi Borrow Grow loan on XX/XX/XXXX. Per the signed contract, {$1300.00} was held in a savings account at XXXX Bank XXXX ( # XXXX ). Upon full repayment, SeedFi was required to release its security interest and allow access to the funds. XXXX confirmed the funds are held in a separate system and directed me to XXXX XXXX. I submitted formal requests on XX/XX/XXXX and XX/XX/XXXX, requesting reconciliation status, a valid Claimant ID, and a timeline for release. I received no response. The funds are not being handled or distributed as contractually required. Credit Karma acknowledged my request and assigned Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello, this is my seventh attempt to resolve this matter. This company is alleging that I owe one month rent plus an eviction fee. This is completely fraudulent as in my evidence, and theres a reflects the end date for the contractual agreement is XX/XX/XXXX if Im moved out based on my sworn lease why would I be evicted if Im gone and why would I owe XXXX rent if Ive paid a deposit and moved into a completely different space again based on the contractual agreement that I had with this company again. Im not quite sure if it was retaliation, but there was no way I could afford to renew my lease as they were going up to XXXX dollars when I first moved in a year before I was paying XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I'm insurance company called XXXX XXXX is trying to tell me the XXXX bill for an accident that I was never involved in is the date is XX/XX/year> they're saying I was involved in an accident that I knew nothing about

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 2025-11-04 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Although this account is marked paid, it still appears as derogatory and continues to impact my credit unfairly. 
I requested proof of debt validation, payment confirmation, and closure documentation over 90 days ago and have received no response.

Under FCRA 1681c-2 and XXXX XXXX XXXX furnishers must ensure data accuracy and promptly update paid collections as current or remove them entirely. 
I request permanent deletion of this account for failure to update, verify, or report accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime denied Reg E fraud claim on VA XXXX deposits ( case # ____ ). XXXX XXXX  XXXX failed 10-day provisional credit. Demand full refund + {$2000.00} compensation under 15 USC 1693f.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a XXXX XXXX and FCRA factual dispute regarding an inaccurate collection account reported by Portfolio Recovery Associates ( Acct # XXXX, {$340.00} ). 
I have been disputing this account for well over 30 days, and I have not received any verification, documentation, or proof of debt from Portfolio Recovery or the credit bureaus. 

I previously requested validation of the alleged debt, including the original contract, payment history, and proof of ownership or assignment, and have received no response. 
This account was supposed to be removed due to lack of verification, yet it remains on my credit file and continues to negatively impact my credit. 
This violates FCRA 1681i and 1681s-2, as well as XXXX XXXX reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I demand the following * * immediate * * resolution before XX/XX/XXXX closing : XXXX. * * {$0.00} Cash to Close * * - Section XXXX  : * * {$4400.00} * * ( XXXX taxes ) * * 100 % funded by loan proceeds * * - Section XXXX  : * * {$0.00} insurance * * ( XXXX XXXX paid in full through XX/XX/XXXX ) - Apply XXXX  XXXX refund ( ~ {$3500.00} ) to reduce loan amount XXXX. * * {$5600.00} Escrow Surplus Refunded IN CASH at Closing * * - * * NOT * * used to fund new escrow or prepaids - Required by * * RESPA XXXX ( i ) * * surplus > {$50.00} = * * cash to borrower * * XXXX. * * New Loan Funds 100 % of Initial Escrow Setup * * - * * {$4400.00} * * prepaid taxes * * funded by loan * * - * * ~ {$1000.00} * * XXXX cushion * * funded by loan * * - * * Total escrow setup : ~ {$5500.00} 100 % financed * * - * * Borrower pays {$0.00} * * toward escrow or prepaids XXXX. * * Re-Issue Final Closing Disclosure TODAY ( XX/XX/XXXX ) : * * - Loan amount : * * {$440000.00} * * - Cash to close : * * {$0.00} * * - Section XXXX  : * * {$4400.00} * * ( taxes * * funded by loan * * ) - Section XXXX  : * * {$0.00} * * insurance - Line : * * Escrow surplus refund : {$5600.00} cash * * - Line : * * New escrow ( taxes + cushion ) : ~ {$5500.00} funded by loan * * XXXX. * * Restore Portal Access Immediately * * - Revoked during XXXX review violates * * TRID XXXX ( XXXX ) ( XXXX ) ( iii ) * * XXXX. * * Written Confirmation of Compliance * * - All prepaids and escrow funded by loan per RESPA XXXX ( c ) - Surplus refunded in cash per XXXX ( i ) - No double-collection of insurance per XXXX ( c ) ( XXXX ) I SHOULD NOT HAVE TO PAY EXTRA INTEREST DUE TO DELAYS CAUSED BY THEIR FRAUDULENT ACTS

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 2025-11-04 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 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: GA

Complaint narrative:
I am sending to formally dispute several addresses on my credit report that I believe to be inaccurate, unverifiable, or improperly reported. These discrepancies do not align with my verified financial and personal records and have negatively affected my credit profile. Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that can not be verified and to request a full reinvestigation to ensure that my credit report reflects only accurate and complete information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
My rights were violated as a consumer under XXXX XXXX XXXX and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reporting this issue because unauthorized and inaccurate accounts have been added to my credit report. I never opened or authorized these accounts and was not notified that they had been added. The discrepancies across the XXXX credit bureaus clearly violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires accurate and verifiable reporting practices.

Additionally, 15 U.S.C. 1681i requires that disputed information be thoroughly investigated and either corrected or deleted within 30 days, while 15 U.S.C. 1681g gives me the right to full and accurate disclosures of my credit 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 2025-11-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
Company : XXXX XXXX XXXX XXXX, XXXX Product : Mortgage Issue : Foreclosure/servicing hardship assistance What happened : USDA-monitored mortgage XXXX From XXXX, servicer refused hardship assistance despite my protective order and later XXXX documentation ; gave outdated/incorrect program direction ( told me to apply to XXXX after closure ) ; and, through a relief firm I was paying XXXX XXXXXXXX ( XXXXXXXX XXXX  ), imposed an impossible {$2100.00} due XX/XX/year> to avoid default. They later demanded irrelevant items ( XXXX hurricane claim ), and foreclosed/sold the property while XXXX  XXXX efforts were underway. Ive filed an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). I request a written response explaining compliance with applicable hardship and loss-mitigation rules and a review of their servicing conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 am filing this complaint because the consumer reporting agency failed to perform a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, but the bureau did not provide the legally required verification, supporting documentation, or proof that the information was actually confirmed by the original furnishers. This failure prevents me from confirming the accuracy of my own consumer file and is a direct violation of my rights under federal law. 

Under the FCRA, the bureau must obtain verification for every reported account, balance, payment history entry, public record, and any other data, and must disclose the method of verification, including the name, address, and phone number of each furnisher contacted. If the bureau can not provide this information within the 30-day statutory window, it is considered willful noncompliance with federal law.

Company response to consumer: Closed with explanation