vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting a bankruptcy on my credit report that does not exist and can not be verified. 



I disputed the bankruptcy several times and provided the following : A letter from XXXX confirming no bankruptcy is on file A letter from the United States Bankruptcy XXXX stating that they do not verify or furnish bankruptcy data to any third parties A copy of my updated XXXX Full File Disclosure confirming the record was removed Despite this evidence, the credit bureau refuses to remove the bankruptcy and has failed to provide a meaningful investigation or proper method of verification ( MOV ). Instead, they continue to send generic form letters stating the item was verified, but they have not stated how or with whom it was verified. 



Their continued reporting of this unverified public record violates the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification 15 U.S.C. 1681c : Reporting outdated or unverifiable public records The data furnisher ( XXXX ) has already removed this record and acknowledged it can not verify the bankruptcy. Therefore, the credit bureau has no legal basis to continue reporting it. This is reckless behavior, causing me serious harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I disputed a {$270.00} collection from Aldous & Associates that is currently reporting to TransUnion. I requested full validation, including a signed contract, billing details, and proof of legal authority to collect. The only communication method they gave me was email, so I sent my dispute that way. I have proof I sent the email. 

They ignored it. When I called, the representative was rude and told me they dont respond to email, only mail, which was never explained to me. I recorded the call. 

Despite not validating anything, they verified the account with TransUnion anyway. That violates FDCPA 809 and FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX- I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX- I was never late on this account, please remove late payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I payed off my loan with Bridgecrest for my XXXXXXXX XXXX XXXX XXXX XXXX They had me pay my last monthly payment even though it was included in my payoff quote. To much time has b Passed since my loan was payed off for me not to have received the reversed payment of XXXX $ Ive asked about updates but they are very vague and unhelpful. I know XXXX owed this money they just wont give me an XXXX its urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I called XX/XX/XXXX and they said I owe XXXX money they would big disclosure anything but the price that I supposedly owe XXXX. I sent in a reg complaint and they are still contacting me XXXX SMS harassing me for a debt that is not mine. This is the 3rd debt collectors that has got this account that is not mine. I never signed up for text messages this is harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My Venmo account was permanently deactivated by Venmo without a clear or valid explanation, despite me being a verified user in good standing. I was told multiple times via email that my account activity raised " concerns '' but was never provided proof of any violations. I have not engaged in any illegal activity, fraud, or chargebacks I only received a payment from a legitimate business transaction. 

The dispute that possibly led to this with a client named XXXX XXXX has been resolved. She even contacted Venmo to clarify that no fraud occurred and that we resumed business. Despite this, Venmo not only closed my account, but is refusing to release my funds or explain the policy violation in any detail. 

XXXX representatives from Venmo support even stated in writing that a temporary transfer hold would be lifted, yet when I attempted the transfer, it failed ( see attached screenshot ). I followed their instructions exactly and received conflicting messages afterward stating the account would stay closed, and no further support would be provided. 

I am a single mother of XXXX children and rely on these funds to cover basic needs. This is the only money I have access to, and XXXX actions have caused me emotional distress, financial hardship, late fees, and the threat of housing insecurity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have disputed this debt 4 times with the credit agencies as well as directly with the collection agency. XXXX XXXX XXXX verified to the credit agencies each dispute that the debt was valid. With the most recent validation being XX/XX/year> to equifax. XXXX never responded to my written requests to validate the debt. I then provided FTC report with police report of identity theft to the credit agencies and XXXX still validated the debt as mine. 
I then spoke to XXXX representatives the XXXX rep hung up on me. The second rep sent me to speak to the XXXX XXXX XXXX. All XXXX of these reps verified my social security number and date of birth and still attempted to collect the debt knowing that the social on the file did NOT match my social. I asked them to remove the debt immediately and XXXX became irate and refused to continue assisting me. 

This company has knowingly and fraudulently validated this debt that they know does not belong to me. They have caused irreparable damage to my credit and prevented me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake is calling XXXX to XXXX times a day I am at work phone rings all day I send them to voicemail they call back and also send a message this is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I opened a secured credit card with BofA in XXXX. I had to make a {$700.00} deposit and I would use this amount in order to build my credit. In XXXX I was upgraded to an unsecured credit card. About a month ago I decided I wanted to close the account. I asked for reimbursement of the {$700.00} deposit I had made. They did an investigation. I was informed they dont keep records past 7 years and they could not continue whether this deposit was made. Though they can confirm I was in fact upgraded in XXXX to an unsecured credit card credit card. They will not refund the money, and I was told nothing else could be done. I submitted a complaint and was told its up to the bank to decide if they do anything. I was told there is no follow up unless they decide to do something.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Closed a home sale on XX/XX/XXXX. Paid off a balance on a HELOC with Citizens Bank which resulted in an overpayment of {$3300.00}. After a week i asked when the check would be sent and they said within XXXX  days. After more than XXXX  days, no check arrived so I called again. Customer Service could not tell me why I havent received the check. They said they could request a replacement check but it would take XXXX days to process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal demand for immediate investigation and permanent deletion of the inaccurate, unverifiable, and non-compliant information listed below from my consumer credit report.

You are reporting derogatory information that is materially incomplete, lacks full legal validation, and violates multiple federal standards under : Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( Failure to Reinvestigate Disputed Information ) FCRA 15 USC 1681e ( b ) ( Failure to Maintain Maximum Possible Accuracy ) FCRA 15 USC 1681b ( Lack of Permissible Purpose ) XXXX XXXX Compliance Standards CDIA Credit Reporting Resource Guide ( CRRG ) Sections 3-4 You have failed to provide full physical documentation establishing : The factual truth of the debt The legal chain of assignment or ownership The full accounting ledger showing legal liability The complete XXXX  XXXX data set proving accuracy, consistency, and timely reporting Any continued reporting of these accounts without fully verified documentation constitutes willful non-compliance and intentional harm to my creditworthiness. You are hereby notified that continued publication of these unverifiable accounts will be deemed reckless disregard, potentially rising to criminal harassment or willful extortion, actionable under both state and federal law. 

Accounts Being Challenged ( Collections ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby demand that you provide : Full chain of title proving current ownership of each account Original signed contract bearing my authentic signature Complete payment and billing history IRS 1099-C or insurance claim history, if applicable Permissible purpose for all reporting Full Metro 2 data field submission for each tradeline If you are unable or unwilling to provide this evidence within 20 days of receiving this notice, you are instructed to DELETE these items from my credit report entirely. Failure to comply will leave me no choice but to escalate this matter legally, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, FTC, and considering private legal action for damages.

A notarized statement from a party with direct, first-hand knowledge of the debt will be required as part of your response. 

You are expected to respond with written confirmation of deletion and provide me with an updated copy of my full credit report.

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

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft and a verified data breach. Several fraudulent accounts were opened or reported in my name without my knowledge or consent. Despite submitting proper disputes, the companies involved have failed to provide lawful validation or supporting documentation. Some falsely claimed I was served court documents, which never occurred. Based on that false claim, my wages were garnished, and Ive been left barely surviving. 

This situation has caused severe emotional distress, anxiety, XXXX, and has directly affected my health, housing, and stability. Ive received harassing calls, threats, and emails in violation of my rights. Ive been treated unfairly, and the inaction of these companies has caused long-term harm. 

On XX/XX/year>, I submitted formal disputes to all three credit bureaus with my FTC Identity Theft Report, government-issued ID, proof of address, and a statement identifying all fraudulent accounts. These agencies are now in violation of : 15 U.S.C. 1681c-2 Requires deletion/blocking of fraudulent information within XXXX business days after receiving proper documentation.

15 U.S.C. 1681i Failure to conduct a reasonable investigation of disputed items.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy in reporting.

15 U.S.C. 1692d Harassment and abuse by debt collectors.

15 U.S.C. 1692e Use of false or misleading representations, including threats of legal action.

15 U.S.C. 1692g Failure to properly validate debts when requested in writing.

These companies have failed to comply with the law. If they do not delete these accounts immediately, I will pursue formal legal action for damages, report them to the Maryland Attorney General, and take this to court if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief