vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX on my credit files with Equifax, Experian, and TransUnion. This account does not belong to me, and I am requesting that it be investigated and removed from all of my credit reports under the rights afforded to me by federal law. 

The reporting of this account constitutes a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681 ( a ) ( 2 ) This section establishes the importance of accurate credit reporting in maintaining fairness and the protection of consumers.

15 U.S.C. 1692c Under the FDCPA, debt collectors are prohibited from communicating with consumers in a manner that violates their privacy or causes undue harm.

15 U.S.C. 1692g I have not received a proper validation notice or proof of this alleged debt as required by law.

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 2025-07-18 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: IL

Complaint narrative:
I am a victim of identity theft. According to the FCRA Section XXXXB this account must be removed within XXXX  days of receipt. Please remove immediately. Thank you.

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 2025-07-18 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: VA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a formal complaint against Equifax for refusing to remove a collection account that has been fully paid and continues to harm my credit. 

The account is listed as : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Original Amount : {$520.00} Date Assigned : XX/XX/XXXX Paid in Full : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Number Ending in : XXXX This account was paid in full years ago, yet Equifax continues to report it as a collection account, which negatively impacts my score and violates the Fair Credit Reporting Act ( FCRA ) including : 607 ( b ) Failure to maintain maximum accuracy 609 ( a ) ( 1 ) Refusal to provide full documentation/chain of title 611 Failure to properly investigate and remove inaccurate or harmful items I disputed this account and clearly requested deletion. Equifax has not provided any validation, chain of title, or method of verification, and continues to report this collection as active even though the balance is {$0.00} and its marked as PAID.

Under FCRA, paid collections may be reported, but doing so when there is no longer a valid collection or public interest is negligent and harmful. XXXX and other bureaus have deleted similar items. Equifaxs refusal is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Description of the Issue I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I originally obtained an auto loan in XXXX. I stopped making payments in XX/XX/XXXX, and the vehicle was repossessed and sold. The lender continued to report an unpaid balance and initiated wage garnishment in XXXX through XX/XX/XXXX, even after the sale of the vehicle. I disputed the account with the credit bureaus in late XXXX. Despite this, the account has been re-aged and continues to be reported with derogatory information such as 'Customer unable to locate. ' This is untrue as I was actively being garnished, and this remark is defamatory and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Description of the Issue I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I originally obtained an auto loan in XXXX. I stopped making payments in XX/XX/XXXX, and the vehicle was repossessed and sold. The lender continued to report an unpaid balance and initiated wage garnishment in XXXX through XX/XX/XXXX, even after the sale of the vehicle. I disputed the account with the credit bureaus in late XXXX. Despite this, the account has been re-aged and continues to be reported with derogatory information such as 'Customer unable to locate. ' This is untrue as I was actively being garnished, and this remark is defamatory and misleading.

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 2025-07-18 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  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 explanation
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I RECEIVED A NOTICE FROM CREDITWISE THROUGH CAPITAL ONE PERTAINING A NEGATIVE ENTRY ON MY CREDIT REPORT SHOWING A BALANCE OF {$35.00}. MY BALANCE HAS BEEN PAID OFF IN FULL MONTHLY, WEEKLY AND/OR DAILY. IN FACT, SINCE THE BEINNING OF 2025 THERE HAS BEEN NO REVOLVING BALANCE AS I ATTEMPT TO PAY FASTER THAN THE " PENDING CHARGES '' POST TO THE ACCOUNT.

THE POSTING OF THIS {$35.00} DEBT IS INACCURATE AND IS HARMING ME SINCE IT HAD A NEGATIVE IMPACT ON MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
I am receiving offers for mortgages and loans that I did not apply for. My information is being sold and the in correct information is been given out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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: MN

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4100.00} INQUIRIES : XXXX LA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/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 explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
b'XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX,TXXXXX XXXX XXXX XXXX AND SXXXX XXXX XXXX XXXX XXXX XXXX,TXXXXXPhone number(XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXXTXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX,MIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX,UTXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
b'XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX,TXXXXX XXXX XXXX XXXX AND SXXXX XXXX XXXX XXXX XXXX XXXX,TXXXXXPhone number(XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXXTXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX,MIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX,UTXXXX 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 2025-07-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-07-18 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Comerica
State: FL

Complaint narrative:
On XX/XX/2025 I filed a dispute against XXXX with direct express. XXXX XXXX issued me a provisional credit in the amount of XXXX on XX/XX/2025 while they investigate this issue. On XX/XX/2025 XXXX XXXX  took the money back which made my account negative. When I received the deposit of XX/XX/2025 they took the money from the deposit. On XX/XX/2025 I received a letter from direct express. The letter was dated for XX/XX/2025 telling me the money should not have been taken and it should have remained on the account. I called direct express on XX/XX/2025 everyone is giving me the run around about my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: West Coast Servicing, Inc.
State: OR

Complaint narrative:
I believe West Coast Servicing is committing fraud. I took out a {$67000.00} second mortgage in XXXX of XXXX. I do not dispute this. I also received a letter from the loan servicing company indicating the loan had been charged off. Do not send any more payments. This was when XXXX XXXX failed. I can not find the letter. It was in XXXX some time. 

Shortly after the " Charge Off '' I received A letter from someone claiming they owned the note. They offered to sell it to me for {$6000.00}. It sounded like a scam to me. I reached out to them and there was no response. I can not lay my hands on these letters. 16 or so years ago. 

This brings us up to XX/XX/XXXX. I receive notice that my home is in foreclosure.I was forced to sign documentation by West Coast Servicing to enter into financial arrangements with them. Pay this amount or lose your home. Lawyers wanted huge retainers. Now this will never go away. 

I asked West Coast Servicing to prove to me that they have the original note. They have never proven this to me. It has just been copies of county records. I lowered myself to there level and asked for a color picture of the note. I said the note had been signed with a blue pen. a short while later I received a picture of a signature block with blue signatures. I lied about signing in blue yet they sent a picture. 

I hope you can help me with this issue. I have pages and pages of documents. I hope to have conversations with an investigator to help me navigate this complaint. This ONE complaint has been over 7 years in the making. This letter from me is just a very small outline of what I have bee dealing with. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have repeatedly asked Trans Union why my credit score is XXXX points lower than others when the same information is being reported as the other others, and they will refuse to answer why

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing a formal complaint against TransUnion regarding the reporting of a XXXX  dated XX/XX/XXXX, which appears on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], a credit bureau must conduct a reasonable reinvestigation when an item is disputed.

I previously disputed this XXXX. TransUnion has not disclosed : What third-party source supplied the data ( since courts do not furnish to CRAs ) The method of verification used Any documentation from the furnisher According to the CFPBs guidance ( see XXXX advisory opinion on public records ), credit bureaus can not list court data unless it is verified through reliable public record vendors.

TransUnions refusal to provide this information suggests the item can not be verified per statute. 

I respectfully request the CFPB ensure this public record is fully removed from my credit file if it can not be verified with documented evidence. 

Sincerely, XXXX XXXX XXXX : XX/XX/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 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Thursday, XX/XX/year>, I received several emails from different credit monitoring services about a new inquiry on my credit report from capital one. I called capital one to inquire about the details because I was not familiar with any application. They requested I provide my information and confirmed it was not consistent with the information on the application. They marked the application fraudulent and instructed me to report it to all three credit bureaus. I called all three and they were able to mark the inquiry as fraudulent and freeze my credit report but were not able to remove the inquiry from my reports and my credit score has dropped as a result.

Company response to consumer: Closed with non-monetary relief