vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding information on my credit report that I believe is inaccurate and incomplete. The disputed items do not accurately reflect my true credit history and appear to have been reported in error. 

On reviewing my credit report, I identified entries that contain incorrect information regarding account status, balances, dates, and/or reporting history. These inaccuracies have negatively impacted my credit standing. I did not authorize or initiate any actions that would justify these incorrect entries. 

I attempted to resolve this matter by reviewing my records and confirming that the information being reported does not match my actual account activity. No notices, communications, or valid documentation were provided to me by the company to justify the reporting of these items. 

Under the FCRA, all information furnished to the credit bureaus must be accurate, complete, and verifiable. Because these items are incorrect and the company has not provided any evidence to validate the reporting, I am requesting a full investigation. 

I respectfully ask that the companies involved investigate these inaccuracies and delete any information that can not be verified or that is found to be reported in error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 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: FL

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 2025-11-17 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 am writing to report that the payment history and payment status on my credit report for the account XXXX XXXXXXXX do not match and are inconsistent. For example, the account shows Paid, OR CURRENT OR PAID AS AGREED but the payment history lists late payments. Under the Fair Credit Reporting Act ( FCRA ), credit information must be accurate and complete. This creditor is not in compliance with the FCRA because the reported data is contradictory and misleading. These inaccuracies are negatively impacting my creditworthiness and causing harm to me financially. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the creditor corrects the information to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this formal complaint to demand immediate action against Equifax, Experian, and TransUnion for their willful and negligent failure to correct a fraudulent account on my credit reports, constituting a clear violation of their legal duties under the Fair Credit Reporting Act ( FCRA ). 

The account at the center of this gross inaccuracy is the XXXX XXXX account XXXX XXXX. This account is unequivocally fraudulent and does not belong to me. Its persistent presence on my reports across all three major bureaus is not a simple error ; it is direct evidence of a broken and reckless system that ignores federal law. 

This is a textbook violation of : FCRA 1681e ( b ) : The bureaus have demonstrated a fundamental lack of " reasonable procedures to assure maximum possible accuracy '' by failing to prevent and correct this obvious mixed-file error. 

FCRA 611 [ 15 U.S.C. 1681i ] : My previous disputes have been met with what can only be described as " sham investigations, '' where the bureaus merely asked the furnisher to confirm data they already had, rather than conducting a meaningful inquiry into my claim of fraud. 

FCRA 623 [ 15 U.S.C. 1681s-2 ] : The furnisher, XXXX XXXX XXXX has failed in its duty to conduct a proper investigation upon receiving a dispute notice from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: KY

Complaint narrative:
To Whom It May Concern : I am submitting this complaint to dispute the continued negative reporting and handling of a debt associated with the U.S. Department of the Treasury that has already been paid in full. 

On XX/XX/year>, I paid the full balance of {$340.00} to the U.S. Department of the Treasury through Pay.gov. Despite this, the debt remains an issue on my credit report, and I have been unable to obtain necessary documentation confirming the accounts resolution. 

I contacted the Treasury at ( XXXX ) XXXX, and during multiple calls I was told : They do not issue deletion letters. 

My account is paid in full and closed. 

The closure and paid status were reported to the credit bureaus in XX/XX/year>. 

While I appreciate their confirmation, the lack of proper documentation and the continued impact on my credit report is causing me difficulty. Since the debt is paid and closed, and has been reported as such, I request the CFPBs assistance to ensure : The credit bureaus accurately update my credit report to reflect Paid in Full and Closed without any remaining derogatory accuracy issues, and The Department of the Treasury provides any necessary verification confirming the resolution of the account. 

I have attached any receipts, Pay.gov confirmations, and notes from calls for your review. 

Thank you for your attention to this matter. I request investigation and correction under the Fair Credit Reporting Act and applicable federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I couldnt open a checking account. The bank said to contact XXXX XXXX. I did not open no account with no banks. This is Fraudulent.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: EdFinancial Services
State: GA

Complaint narrative:
I am. Getting messages from Edfinacial that my loan is about to default. I never took a loan through them. My daughter has all her payment records and they say we must have taken XXXX loans and we did not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My years of military service were rounded up an entire year on my credit application without my knowledge in order to get me approved for financing. I informed Capital One Auto finance of this issue twice. Capital One has refused to provide any form of compensation, remedy or relief to fix this issue, claiming no wrong doing on their part even though the dealership assigned the contract rights over to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was with XXXX and was sold to PHH Mortgage Service in XX/XX/year>. I had a loss in income during the months of XXXX and XX/XX/year>. When I contacted XXXX XXXX on the matter, they told me my loan was not being serviced by them and that I would file my hardship with PHH once they service my loan. I contacted PHH in XXXX over the matter. They told me to submit the Mortgage Assistance Application to address the matter. I was also told that I did not have to make a payment till XXXX That in XXXX my payment will resume as normal. 
I called in XXXX to make my mortgage payment of XXXX, as I was instructed. 
At this time I was told that the minimum excepted amount is {$15000.00} or they will not except my payment.

They stated that I am 5 months behind. When I explained to them what I was told and what happened. I was told its unfortunate, but that they will not take my payment.

I tried paying and offered {$8000.00} to cover 2 months of my mortgage, which was denied.

I also asked if I could make a payment of {$3700.00}, while they work on the Mortgage Assistance Application. That I could continue to make payments while things are being resolved in order for the amount not to increase.

The agent told me that they will continue to increase it and impact my credit score if I do not make the full payment. That any payment I send in, will be returned if it is not the full {$15000.00} or greater. That they are looking for only a cash pay off. 
I am a XXXX combat veteran, being cornered to force my house into Foreclosure by PHH.

Please help with the matter as I am able to make my mortgage payments, but I am being denied making my payments.

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 2025-11-17 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I formally submitted a written complaint and request to Equifax, including the attached file, demanding a reinvestigation of the information appearing on my consumer report. I also requested certified copies of all information, documents, and records that Equifax obtained and relied upon in reporting the disputed items.

To date, Equifax has not provided any of the certified documentation I lawfully requested, nor has it demonstrated that a proper reinvestigation was conducted.

I am therefore renewing my requestbased on the same attached filethat Equifax conduct a complete and compliant reinvestigation to ensure maximum possible accuracy, and that Equifax supply certified copies of all information it receives for each disputed item to support the results of its reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I had an attorney write written letter. I continued to call them and they refused to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
To Whom It May Concern : This letter is a formal request for validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I am requesting the following : 1. Complete validation of this alleged debt, including but not limited to : The original signed contract or agreement bearing my signature.

A full itemized accounting of the debt showing how the amount was calculated.

Proof of your legal authority to collect this debt.

Proof of chain of ownership/assignment from the original creditor to your company.

The name and address of the original creditor, and the date the debt was allegedly incurred.

If you can not provide the required documentation : Under FDCPA 15 U.S.C. 1692g ( b ), you must cease all collection activity until proper validation is provided.

Under FCRA 15 U.S.C. 1681i ( a ), any information that can not be verified must be deleted from all consumer reporting agencies immediately.

Demand for Immediate Removal If you can not validate this debt with legally sufficient documentation, you are required to : Delete the account immediately from all three credit bureaus ( XXXX, XXXX, and XXXX  ).

Notify me in writing once the deletion is completed.

Notice of Rights Please be advised : Any attempt to collect without validating is a violation of the FDCPA.

Continuing to report unverified information is a violation of the FCRA.

I will not hesitate to file complaints with the CFPB, FTC, and my State Attorney General, and pursue all legal remedies available.

You have 30 days from receipt of this letter to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation