vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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:
On XX/XX/XXXXXXXX XXXX XXXX  I submitted written disputes to Equifax challenging the accuracy and completeness of a XXXX XXXX XXXX collection reported for {$840.00}. XX/XX/XXXX appears as the bureaus last verified date shown in their entries. Equifax is reporting this account with inconsistent and inaccurate data ( e.g., reported as CollectionOrChargeOff, status XXXX, opened XX/XX/XXXX, last verified XX/XX/XXXX ) and has not provided a meaningful reinvestigation or the method of verification. 
I also asked Equifax to correct my personal identifiers ( name/address ) and remove any non-matching names/addresses. Equifax received my dispute package ( XXXX ) and I reiterated that the dispute was from me personally ( not a third party ), and that stall letters or template dismissals violate 15 U.S.C. 1681XXXX. Despite this, Equifax failed to conduct a reasonable reinvestigation, failed to provide the method of verification, and continued publishing the disputed account without providing underlying documentation to substantiate a legally reportable debt ( e.g., contract, chain of title, itemization ). This violates FCRA 1681i, 1681e ( b ), and 1681g ( a ). 

The inaccurate reporting is lowering my credit standing and blocking access to credit on fair terms!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/XXXX SSN : XXXX Email : XXXX Date : [ Todays Date ] Subject : Dispute of Inaccurate and Incomplete Information Report XXXX XXXXXXXX I am formally disputing the reporting of inaccurate and incomplete personal identifiers within my consumer credit file, Report Number XXXX, generated on XX/XX/XXXX. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), all consumer reporting agencies and furnishers of information are obligated to follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ), provide full file disclosure ( 1681g ), and reinvestigate disputed information within the statutory period ( 1681i ).

Additionally, under Metro 2 reporting standards, data furnishers and credit reporting agencies must ensure accuracy, integrity, and completeness of information. Any unverifiable, inaccurate, or incomplete information must be permanently deleted. 

XXXX. Name Discrepancy Incorrect Variations Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX XXXX. Address Discrepancy Correct Address ( KEEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Number ( KEEP ) : ( XXXX ) XXXX XXXX. Employer Discrepancy Incorrect : XXXX XXXX XXXX XXXX/ NOT PROVIDED Correct Employer : XXXX XXXX Required Resolution In compliance with the FCRA and Metro 2 standards, I require that : All inaccurate and incomplete information listed above be permanently deleted.

My file be updated to reflect only my accurate legal identifiers : Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, IL XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Written confirmation of the results of reinvestigation be provided within 30 days, as required by federal law. 

Failure to ensure accuracy and integrity of my file constitutes a violation of the FCRA and may result in regulatory complaints or pursuit of civil remedies under 15 U.S.C. 1681n & 1681o. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX Halsted Financial Services is now managing your XXXX XXXX, XXXX. ( XXXX  ) account. 

Check out your flexible payment options here : info.halstedfinancial.com. 

Were here to assist you, but time is running out to secure an arrangement. 

Your current offer : Up to {$650.00} off in up to XXXX payments. 
This office is not obligated to renew this offer after XX/XX/XXXX. 
Original Creditor : XXXX XXXX, XXXX. 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Current Discount Offer : Pay {$650.00} in up to XXXX payments, saving you {$650.00} This office is not obligated to renew this offer after XX/XX/XXXX. 

Total Balance Due : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX  and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Upon reviewing my XXXX Report, I noticed that late payments have been reported on an account for which I have consistently maintained timely payments. As you are aware, XXXX XXXX XXXX play an essential role in ensuring that the information they provide is fair, factual, and accurate. Any inaccuracies, such as erroneous late payment notations, can cause undue harm to a consumers credit profile and financial standing. 

For the account listed below, I have never missed or delayed a payment : Account Name : XXXX XXXX XXXX Account Number : XXXX Given that I have diligently met all of my financial obligations on time, I dispute the accuracy of the reported late payments. I respectfully request that your agency conduct a thorough reinvestigation into this matter. Please provide concrete evidence, such as account statements or payment records, to substantiate any claims of delinquency. 

If you are unable to produce verifiable documentation confirming the alleged late payments, I insist that these inaccuracies be corrected immediately. Specifically, I request that all erroneous late payment notations be removed and that the account be updated to accurately reflect its true on-time payment history. 

As required under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be addressed promptly and that the outcome of your investigation be communicated to me in writing. Ensuring the integrity of my consumer report is of the utmost importance, and I appreciate your cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX my checking account was used against my knowledge pr authorization to purchase a motel room for the night in a different state that I reside in or travel to, contacted all known parties involved and obtained persons name who stayed within the room, contacted my bank filed dispute give them the information I obtained and they still denied my dispute and failed to supply and investigation documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
This entry is not representative of my financial behavior and appears mistaken. I respectfully ask for its correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Recently, I carefully reviewed my credit reports and was alarmed to discover numerous inaccuracies that do not reflect my true financial history. I have always prioritized paying my obligations on time ; however, certain accounts are being reported in a manner that is inconsistent, misleading, and, in several cases, unverifiable. I am sending this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a full reinvestigation of the following itemsXXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} I request that these items be thoroughly reinvestigated, corrected, or removed if they can not be fully verified. Each of these errors has a direct and harmful impact on my creditworthiness, and therefore, on my ability to obtain fair financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report . 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX  I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
INCORRECT NAMES ON MY CREDIT REPORT NAMES ON THE REPORT : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX CORRECT NAME 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 2025-10-01 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 a victim of XXXX. The information listed below, which currently appears on my credit report, is the direct result of that XXXX Pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you block this information from my credit file within XXXX ( XXXX ) business days of receipt of this notice. 

In addition, pursuant to Section 605B of the FCRA, I request that you conduct an immediate reinvestigation into these fraudulent accounts and remove them from my credit report. These items are the result of circumstances beyond my control and should not be used to evaluate my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XXXX Complaint Summary ( XXXX XXXX XXXX  ) I am a homeowners spouse trying to complete either a loan assumption or a refinance for our home at XXXX XXXX XXXX XXXX XXXX, FL XXXX. The loan balance is about {$45000.00} For over XXXX months, we have contacted XXXX many times. They repeatedly promised to send us the required paperwork, but nothing has ever been provided. We also mailed a certified written request, which they received, but they still did not respond. 

XXXX refusal to provide the application package or a clear answer is blocking me from handling this loan properly. I am asking XXXX to investigate and require XXXX to : XXXX. Provide the correct assumption or refinance application package. 
XXXX. Respond in writing with a clear explanation of my eligibility. 
I called them every XXXX of the month date to make a payment and tell them to transfer me to the supervisor to ask him about assumption documents. But always the representative whoever talking on payment they transfer me somewhere else that they dont know nothing and theyre just ignore me and tell me oh we already write a note to a supervisor he will contact you by email as soon as possible and XXXX time they told me the supervisor on came on the call and tell me yeah I am sending you the assumption documents as soon as possible but its almost XXXX to XXXX months. Theyre ignoring me telling me no whats going on with them

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 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
I am writing to formally request verification of the debt your agency claims I owe related to XXXX XXXX supposedly provided by Singing River Hospital System. This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Please provide the following information : XXXX. A copy of the original contract or consent form with my signature, authorizing XXXX XXXX XXXX to bill me and/or assign my account to a third-party agency. 
XXXX. Documentation proving you are legally authorized to collect this debt, including proof of assignment or purchase from XXXX XXXX XXXX. 
XXXX. A detailed breakdown of the debt, including the original amount owed, all added fees or interest, and the method used to compute the total. 
XXXX. The name and address of the original creditor, the date of service, and the account number. 
XXXX. A copy of any communications or records your office claims prove that I was notified and/or consented to this collection activity. 
XXXX. A record of any attempted disclosures of my personal or medical information, including PHI, for which HIPAA requires documentation.

I verbally requested this documentation in court and over the phone, but I never received it. This failure to comply with proper consumer protections may violate both FDCPA and HIPAA, especially concerning the unauthorized use or disclosure of protected health information and misrepresentation of debt collection rights.

You are required to provide this information within 30 days. If you fail to do so, I will report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
FAILURE TO INVESTIGATE ON AN ISSUE WITH MY PERSONAL INFORMATION BEING LEAKED IN THE DATA BREACH AND ACCOUNTS WERE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I object to certain items tied to accounts I never authorized. Please carry out a detailed review and eliminate them. Relevant documentation is provided.

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