vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
XXXX XXXX XXXX  failed to fix a major electrical issue in the apartment. Open electrical outlet not in an electrical box inside a wall under the kitchen sink. My kids got shocked by it and they said they would fix it immediately. Over a month went by, they didn't fix the issue and just signed off the work order in the maintenance portal. In accordance with Chapter 83, Part II, Florida Statutes ( F.S. ), landlords must fix safety issues within 7 days. XXXX XXXX Apartments failed to do so which in null, voids the contract.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX JohnsonMarkLLC XX/XX/XXXX, we agreed to a settlement of {$1100.00} in full payment Call that day to see if I could make an update and pay. It was told to wait until he got updated. 
No problem I waited. I called today. 
XX/XX/XXXX was told it was not updated so I forwarded them an email More than two weeks have passed when court was signed, and my worry is that theyre not gon na honor the settlement They said they had no update Ive made two attempts to pay them But did not continue because they would mention the correct amount

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because my credit reports continue to show late payments on accounts that are fully paid, closed, and current. For example, my XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$0.00} and past due of {$0.00} * *, yet it is reported as a late payment across all three credit bureaus. Additionally, my CAP XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$0.00} and past due of {$0.00} * *, yet XXXX  marks it as late. 

I have disputed these accounts multiple times and provided documentation proving that they were fully paid and closed, yet the responses I receive are generic claims that the accounts were verified. No actual Method of Verification ( MOV ) or supporting documentation has been provided to substantiate these inaccurate late marks. Reporting closed, paid accounts as late violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681n and 1681i, which require accurate reporting and meaningful reinvestigation. It also violates 15 U.S. Code 1666 ( b ), which mandates correction of billing and payment errors, and federal law requires that if a furnisher can not properly verify a disputed item within 30 days, the item must be removed. The repeated failure to provide proper verification has caused financial harm, difficulty obtaining credit, and unnecessary stress.

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 2025-11-19 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: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( TU ). The errors involve charged off accounts, inquiries, positive accounts, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/year>, Balance : {$420.00} Inquiries : [ No inquiries listed for TransUnion ] Late Payments : [ No late payments listed for TransUnion ]

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 2025-11-19 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:
Please check the provided materials ; the questions appeared suddenly and could be unapproved.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXXXXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had 2 accounts go to collection with XXXX  XXXX. They had fallen off my credit report. I have a XXXX store credit card. When they switched from being a store card to a XXXX  XXXX card those 2 previous collections from XXXX XXXX reappeared on my credit. This added 2 derogatory remarks to my credit & crashed it by approximately 50+ points. This is completely unfair as I am working hard to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint because Capital One is reporting inaccurate information to the credit bureaus regarding my charged-off account. 

Around 18 months ago, I entered into a formal payment arrangement with Capital One. Since then, my payment has been automatically drafted every month, without a single missed payment. The payments are applied to the account balance each month. 

However, Capital One continues to report the account to XXXX XXXX  and XXXX  as if : I am not making payments The account is delinquent every month No payment activity is occurring The balance is not accurately decreasing The account remains marked with negative monthly notations ( red marks ) despite an active payment plan This reporting is inaccurate, incomplete, and misleading, and it is significantly harming my credit. 

I attempted to dispute this through the credit bureaus, but Capital One verified the inaccurate information without correcting anything. I am requesting that Capital One : 1. Provide a full payment history for the last 18 months 2. Provide the exact data they have furnished to all 3 credit bureaus 3. Correct all inaccurate reporting ( including monthly delinquency notations that are not accurate during the payment arrangement ) 4. Update the balance and payment history to reflect accurate activity I am attaching proof of my monthly payments and evidence of my payment arrangement. 

I am requesting the CFPB to assist in having Capital One investigate and correct the inaccurate reporting. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/2025 that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
CFPB COMPLAINT MEI Auto Finance / MEI Group Company : MEI Auto Finance / MEI Group Department Involved : Reinstatement Department Employees Involved : XXXX XXXX and XXXX XXXX of Incident : XX/XX/year> Time of Incident : XXXX AM Consumer : XXXX XXXX XXXX XXXX Auto Loan / Credit Reporting Issue : Incorrect credit reporting, false repossession reporting, unprofessional conduct, refusal to assist XXXX. Summary of the Problem MEI Auto Finance falsely reported my XXXX XXXX as repossessed, which caused my credit score to drop XXXX points. My husband and I are in the final stages of closing on a home, with a closing date of XX/XX/year>. This incorrect reporting is jeopardizing our mortgage approval and interest rate. 
XXXX. Details of the Incident On XX/XX/year>, at XXXX AM, I contacted MEIs Reinstatement Department to resolve the false repossession reporting. Instead of helping me correct the mistake, I was treated extremely unprofessionally by XXXX MEI employees : XXXX XXXX and XXXX. 
During the call, they : - Interrupted me repeatedly - Spoke in rude, dismissive tones - Told me it was my responsibility to fix MEIs mistake - Told me thats life, deal with it - Then hung up on me I am a full-time teacher, and both my husband and daughter are XXXX, so this situation has caused serious emotional and financial stress. When someone is already dealing with a time-sensitive credit issue, being spoken to disrespectfully only makes the situation more stressful, especially when the consumer is trying to correct an error they did not cause. 
XXXX. Why This Is Wrong - MEI reported false repossession information. 
- MEI employees refused to help correct the mistake. 
- MEI staff verbally mistreated me. 
- This error directly impacts my ability to secure a mortgage and purchase a home. 
- I can not fix the issue without cooperation from MEI. 
XXXX. What I Am Requesting Through the CFPB I request that MEI be required to : XXXX. Correct the false repossession reporting immediately. 
XXXX. Submit updated information to XXXX, XXXX, and XXXX. 
XXXX. Provide me with a written correction letter. 
XXXX. Provide documentation to my mortgage lender for a Rapid Rescore. 
XXXX. Conduct an internal investigation into the behavior of the employees involved. 
XXXX. Provide written confirmation that this issue has been resolved. 
XXXX. Impact on My Life This incorrect reporting has placed my familys home purchase at risk. As a working teacher supporting a XXXX husband and daughter, I can not afford delays or denials caused by a mistake that I did not create. 
XXXX. Desired Resolution Timeframe Due to my XX/XX/year> closing date, I am requesting resolution within XXXX hours.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-19 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: TX

Complaint narrative:
I am not connected to these accounts, and they need to be removed within XXXX  days as required by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MS

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Late payments without being notified that it was behind

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had XXXX accounts go to collection with XXXX  XXXX. They had fallen off my credit report. I have a XXXX store credit card. When they switched from being a store card to a XXXX  XXXX card those XXXX previous collections from XXXX XXXX reappeared on my credit. This added XXXX derogatory remarks to my credit & crashed it by approximately XXXX points. This is completely unfair as I am working hard to improve my credit.

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 2025-11-19 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: CA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

TransUnion ( XXXX ) Inquiries : XXXX XXXX XXXX Account Date : XX/XX/year> XXXX  Account Date : XX/XX/year>

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have been receiving calls and text messages from Bonneville asking for a call back. When I called the Bonneville representative, she could not tell who they are trying to reach and asked me for my name which I declined to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Account credit collection servic # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide certified mail with the receipt displaying my signature. If not, please delete account number # XXXX. As soon as possible from my report or I would have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
XXXX Case Number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Case Number : XXXX XXXX Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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: TX

Complaint narrative:
Take a moment to review the materials ; the questions came in suddenly and might not be permitted.

Company response to consumer: Closed with explanation