vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
This is a formal dispute. My credit report contains inaccurate and unauthorized entries that are actively harming my credit and causing financial and emotional XXXX. I was previously assured these inquiries would be removed, yet they remain. This inaction is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal dispute. My credit report contains inaccurate and unauthorized entries that are actively harming my credit and causing financial and emotional XXXX. I was previously assured these inquiries would be removed, yet they remain. This inaction is unacceptable.

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 2025-09-10 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: MD

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: CA

Complaint narrative:
Its been over a week since Enable Loans last responded. Despite me sending proof of job loss and multiple follow-ups, theyve gone silent and ignored my hardship requests. Their silence feels deliberate to push me into delinquency, as my due date is very near. I am frustrated at the lack of acknowledgement and the vague responses that were provided by their rep. I provided proof of termination from my previous job of 8 years, per the request of XXXX XXXX and this rep completely ghosted me. 

This company needs to be held accountable and let it be known they are acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: DISCOVER BANK
State: FL

Complaint narrative:
A couple of old credit banks have sold my information to third parties on order to collect a charged off debt that was written off and I have disputed and tried to negotiate where as they could remove such information off of my credit report even after illegally selling my information to third party collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A couple of old credit banks have sold my information to third parties on order to collect a charged off debt that was written off and I have disputed and tried to negotiate where as they could remove such information off of my credit report even after illegally selling my information to third party collection agencies.

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 2025-09-11 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: NJ

Complaint narrative:
I am filing a complaint regarding an inaccurate late payment reported by XXXX XXXX  on my credit report. This late payment has caused a XXXXpoint drop in my credit score and prevented me from obtaining a loan I was planning to apply for. 

Here are the details : On XX/XX/year>2025 at XXXX XXXX, I called XXXX XXXX  regarding my loan, and I was informed that the loan was closed. 
Later on XX/XX/year>2025 at XXXX XXXX, I called again and received the same confirmation that the loan was closed. 
On XX/XX/year>2025 at XXXX XXXX, I made a third call, and again I was told the loan was closed. 

After these calls, a payment was later returned, and XXXX reopened the loan and reported a late payment to the credit bureaus. I believe this late payment is not my responsibility, as I was misinformed by XXXX XXXX  multiple times. I have call logs as evidence of these conversations. 

I request that CFPB investigate this matter and assist in correcting my credit report, as this reporting error has caused significant financial harm.

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 2025-09-10 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 requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX  Inquired on XXXX/XXXX/2024 XXXX XXXX XXXX  Inquired on XXXX/XXXX/2024 XXXX XXXX XXXX Inquired on XXXX/XXXX/2024 XXXX XXXX XXXX Inquired on XXXX/XXXX/2024 XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX/2024 XXXX  XXXX XXXX  Inquired on XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way CAPITAL ONE is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time. 
- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 
XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( XXXX ) and makes the tradeline unlawfully furnished. 
- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Lendmark Financial Services
State: CA

Complaint narrative:
I am filing this complaint against Lendmark Financial Services, LLC for unlawful credit reporting, identity theft, and multiple violations of federal and California consumer protection laws. 

I submitted FTC Identity Theft Report XXXX. XXXX, notarized affidavits, proof of identity, IRS transcript, and certified disputes. Despite this, Lendmark continues to furnish derogatory information on my credit reports and has refused to delete or correct the account. 

Basis for Complaint : FTC Report : This account is listed in my FTC Identity Theft Report. 

IRS Transcript Violation : This account was reported as income on my IRS tax transcript, yet Lendmark never issued a 1099-C Cancellation of Debt Form. Reporting a charge-off as a tax loss while continuing to furnish it as an outstanding debt is a direct violation of 26 U.S.C. 6050P and IRS regulations. 

Charge-Off Status : Lendmark has already charged-off this account and booked it as a loss. Continuing to report it as collectible is unlawful double-counting. 

No Wet-Ink Contract : I requested a copy of the original wet-ink signed loan agreement. Lendmark has failed to provide it. 

Securitization/Re-Aging : Upon information and belief, this loan was securitized and transferred, meaning Lendmark no longer retains ownership rights. The account also appears to have been re-aged in violation of FCRA. 

Open-End Credit Violation : This was an open-end consumer transaction with more than XXXX payments. Under Cal. Civ. Code 1785.13 ( a ) ( 6 ) and FCRA 605 ( a ) ( 5 ), adverse information can not be reported more than 4 years ( California ) or XXXX XXXX ( federal ) after the first delinquency.

Violations : FCRA 604, 605 ( a ) ( 5 ), 607 ( b ), 609, 611, 623 ( a ) ( 1 ) TILA 15 U.S.C. 1666b ( open-end credit billing rules ) 26 U.S.C. 6050P ( improper tax treatment of charge-offs and failure to issue 1099-C ) California CCCRAA 1785.13 ( a ) ( 6 ), 1785.16.1, 1785.25 ( a ) Privacy Act of 1974 ( 5 U.S.C. 552a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Regarding Illegal Credit Reporting by XXXX XXXX XXXX Experian, Transunion and Equifax XXXX XXXX XXXX name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, XXXX, XXXX. 

I am submitting this complaint against XXXX XXXX XXXX, who is illegally furnishing information to Experian on account number XXXX. They are repeatedly reporting 180-day late notations, which is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ).

The law requires that a collection account only be reported for 7 years from the original delinquency date, not with repeated, ongoing late-payment notations. 

By re-aging the account and continuing to mark it as 180 days late, XXXX XXXX XXXX is misrepresenting the status of the debt and artificially extending its derogatory effect. 

This conduct is both erroneous and illegal, and it is causing me severe harm to my creditworthiness and access to financial opportunities. 

I demand immediate deletion of this account from my Experian, Transunion and Equifax credit file, or at minimum removal of all false 180-day late notations that extend beyond the original delinquency date. 

I request urgent investigation and enforcement by the CFPB. Attached is a copy of my Experian report highlighting the disputed item. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Regarding Illegal Credit Reporting by XXXX XXXX XXXX Experian, Transunion and Equifax XXXX XXXX XXXX name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, XXXX, XXXX. 

I am submitting this complaint against XXXX XXXX XXXX, who is illegally furnishing information to Experian on account number XXXX. They are repeatedly reporting 180-day late notations, which is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ).

The law requires that a collection account only be reported for 7 years from the original delinquency date, not with repeated, ongoing late-payment notations. 

By re-aging the account and continuing to mark it as 180 days late, XXXX XXXX XXXX is misrepresenting the status of the debt and artificially extending its derogatory effect. 

This conduct is both erroneous and illegal, and it is causing me severe harm to my creditworthiness and access to financial opportunities. 

I demand immediate deletion of this account from my Experian, Transunion and Equifax credit file, or at minimum removal of all false 180-day late notations that extend beyond the original delinquency date. 

I request urgent investigation and enforcement by the CFPB. Attached is a copy of my Experian report highlighting the disputed item. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My payments are never applied correctly. I have been paying my mortgage bi-weekly since I bought the house. Some months I am XXXX XXXX ahead and other months not at all. This is becoming such a pain to try to resolve. Every time I call I get a different explanation on how payments are applied. It is very frustrating.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
In XXXX of XXXX, I received an offer through the Barclays app of XXXX XXXX  interest on purchases until XXXX which I accepted. I understood they meant that all purchases I made until XXXX would be set at XXXX XXXX. I found out in XXXX, after my credit card payment tripled, they meant the XXXX XXXX would only last until XXXX. 
I think this was predatory, to get me to use the card more thinking the interest was good, and it was misleading advertising. 
Now there is no record of this, Barclays has deleted the offer in my account!

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 2025-09-10 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: NJ

Complaint narrative:
Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections. To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Accounts in Dispute : XXXX XXXX XXXX XXXX ACCT # XXXX ; XXXX XXXX ACCT # : XXXX. These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation. Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If applicable, I reserve my right to not be contacted in violation of this provision.15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation. 15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind. 15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. XXXX XXXX  XXXX XX/XX/25, XXXX  XX/XX/25 Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report. Please mail all findings, updates, and confirmations of deletions to the address listed above. Sincerely, 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 explanation