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

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-10-09 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: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-10-09 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: CA

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 2025-10-09 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: CA

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have failed to correct inaccurate payment history that I previously disputed. I submitted my initial dispute more than 35 days ago and this is a follow up dispute submitted by me directly, not by a third party. The bureaus continue to report late payments without providing any documentary proof that the late payments are accurate. This violates my rights under the Fair Credit Billing Act and the Fair Credit Reporting Act. 

Disputed accounts XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported as a late payment and still listed as open XXXX XXXXXXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX, reported as a late payment and still listed as open XXXX XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX, reported as a late payment and still listed as open These items remain on my credit reports despite my prior dispute. I have not been provided with any documentation showing the dates and amounts of missed payments, the creditor ledgers, payment posting records, or any evidence that the alleged late payments were validly assessed. 

Legal basis The bureaus and furnishers must comply with both the Fair Credit Billing Act and the Fair Credit Reporting Act. Relevant statutes include : 15 U.S.C. 1666, the Fair Credit Billing Act, which covers disputes over billing errors and requires creditors to investigate billing error notices.

15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and to provide consumers the method of verification where requested.

15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

To date the bureaus have not provided the method of verification, the name and contact of the person or entity who verified the tradeline, the documentation relied upon for verification, or any creditor account records supporting the reported late payments.

Harm The continued reporting of these unverified late payments has harmed my credit score and my ability to obtain credit on fair terms. The inaccurate reporting has caused financial and practical harm and continues to do so while the bureaus fail to follow their legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
XXXXXXXX XXXX illegally sent false information to Pacific Retreival LLC about a car they towed into their yard on XX/XX/XXXX, I sold this car in XX/XX/XXXX, theyre charging me {$850.00} in fees for a car that is not in my possession and also not in my name. I have proof of when I sold my car but will not be providing to them because towing yard shouldve done that. Theyre threatening to send me into collections and damage my credit and financial situation for something that was falsified with a towing company. They also sold that car on a lien sale and never attempted to contact rightful owner who, they contacted me. I called dmv and they have files on record when I did my release of liability. XXXX XXXX basically stole and sold a car that didnt belong to me and now theyre working with pacific retrieval to damage my credit and my finances without properly going through and getting correct information on who the vehicle belonged to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: PA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a full investigation into the unethical and fraudulent conduct of the debt collection company involved in reporting a debt that does not belong to me. 
This company falsely reported an account in my name to XXXX  and XXXX, and later certified to both bureaus that they had proof of the debts validity. In reality, they had no documentation or evidence whatsoever. They initially stated that if they could not provide proof within 30 days, the account would be removed. However, after the 30-day period expired, they instead contacted the CFPB to claim that the debt did not belong to theman admission that completely contradicts their prior certifications. 
Two days later, they sent me a receipt showing a {$0.00} balance and confirming that I owe nothing to the original creditor. This document alone proves that their reporting was false and malicious. Their actions have caused significant damage to my credit report and financial standing.

Because of this false reporting, I was forced to accept a higher mortgage interest rate, resulting in substantial financial losses. I am therefore requesting that the CFPB order a full investigation into this companys practices and award a remedy of {$100000.00} to compensate for the credit damage, emotional distress, and financial impact caused by their misconduct. 
I have already contacted the original creditor, who provided a signed statement confirming that I owe no balance and a detailed record of all services rendered to me, which supports my position. 
Please contact me for copies of all supporting documentation and communications with XXXX, XXXX, the collection company, and the original creditor. 
Thank you for your time and attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: GA

Complaint narrative:
Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report. 
Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This request is not a duplication .. they didnt not send information that verified ownership not any of the requested documents. This is the second letter I request and you are saying it is a duplication .. if you read!!!! Below is my second response. 

Re : Insufficient Validation of Alleged Debt To Whom It May Concern, I am in receipt of your recent correspondence in response to my request for validation of the alleged debt you claim I owe. After review, your submission does not constitute proper validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Specifically : * You failed to provide a signed contract or agreement between myself and the original creditor. * You failed to provide a complete chain of title/assignment proving your legal ownership of this alleged debt. * You failed to provide an itemized accounting from inception to the present balance. Generic account statements or internal records do not establish legal ownership or liability. Until you provide complete validation, you must cease all collection efforts, including credit reporting, as continuing to do so constitutes violations under : * FDCPA 807 ( false or misleading representation ) * FDCPA 809 ( b ) ( failure to validate debt ) * FCRA 623 ( reporting inaccurate or unverifiable information to credit bureaus ) I hereby demand that you immediately correct your records and confirm in writing that this alleged account will not be pursued further or reported to any credit reporting agencies unless full and proper validation is provided. Failure to comply will result in additional complaints to the CFPB, FTC, and my state Attorney General, and I will pursue all legal remedies available. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BANK OF AMERICA, N.A.s failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BANK OF AMERICA , N.A . has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

BANK OF AMERICA , N.A . 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 2025-10-09 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Experian,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXnI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I sent AR Resources a written dispute/validation request ( email ) for a {$940.00} XXXX XXXX collection that appears on BOTH XXXX XXXX XXXX. I requested : ( XXXX ) itemized charges/DOS, ( XXXX ) proof of assignment/authority to collect, ( XXXX ) complete accounting incl. XXXX, and ( XXXX ) insurance adjudication ( EOB/denial codes ) or confirmation of any XXXX eligibility check/claim submission. No validation has been mailed. Despite my dispute, AR Resources continues collection by furnishing to XXXX XXXX XXXX I also dispute responsibility because care was obtained under a reasonable belief of active coverage ; I would not have proceeded if Id known otherwise. Balance remains under insurer/provider review. 

Requested action : XXXX ) Mail full validation or cease collection ; XXXX ) Delete/suppress the tradeline with ALL CRAs ( XXXX XXXX XXXX  ) if unverifiable/ineligible ; XXXX ) If furnishing continues, flag DISPUTED BY CONSUMER everywhere and provide written confirmation ; XXXX ) Provide the DOFD furnished to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
My record shows consistent on-time payments, and I request that this be accurately reflected. Its disappointing to encounter such an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
I went through everything I was supposed to and did home inspection that cost XXXX dollars which he said was in my loan and then wouldnt work with my relator played both of us told both of us a line of XXXX said everything looked good then kept checking my credit score bring it down to XXXX when it was XXXX and said a bunch of things that wasnt adding up then denied me the loan leaving me homeless and broke I want my inspection paid for by the loan company so I can get my earnest money back are Im hiring a lawyer do to falsely leading my realtor lady on and myself and leaving me homeless and broke

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