vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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 writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I am submitting this complaint regarding Equifaxs continued reporting of inaccurate, unverified, and unauthorized information on my consumer credit file. I previously disputed these items directly with Equifax and clearly identified the inaccuracies, yet the disputed information remains, indicating that Equifax failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act.

My Equifax credit report is reporting incorrect personal information in the form of addresses that do not belong to me and that I have no knowledge of. The address listed as XXXX XXXX, XXXX, VA XXXX is not my address, I have never lived there, and I have no association with it. The address listed as XXXX XXXX XXXX, XXXX, MD XXXX is also not my address, I have no knowledge of it, and it does not belong to me. These inaccurate addresses should have been deleted upon dispute, yet they continue to be reported. 
My credit file is also reporting multiple charge-off accounts that I do not recognize, have no knowledge of, and do not believe belong to me. The XXXX XXXX XXXX. account ending XXXX, opened on XX/XX/year> with a reported high balance of {$630.00} and listed as a charge-off, is not recognized by me. The XXXX XXXX account ending XXXX, opened on XX/XX/year> with a reported high balance of {$330.00} and listed as a charge-off, is likewise not recognized and is disputed in its entirety. 
In addition, Equifax is reporting two U.S. Department of Education accounts ending XXXX, both opened on XX/XX/year> and reported as charge-offs with balances of {$1500.00} and {$1600.00}, neither of which I recognize or have knowledge of. The presence of two similarly reported accounts raises serious concerns regarding accuracy and proper verification.

My Equifax credit report also contains hard inquiries that I did not initiate, authorize, or consent to, including XXXX XXXX dated XX/XX/year>, XXXX dated XX/XX/year>, and XXXX XXXX XXXX XXXX  dated XX/XX/year>. These inquiries do not belong to me and should not be reporting on my credit file. 
Equifaxs failure to delete or correct this inaccurate information demonstrates a lack of reasonable investigation and continued reporting of information that can not be fully verified as accurate or belonging to me. I am requesting that the CFPB require Equifax to conduct a proper reinvestigation, delete all inaccurate addresses, remove all unverified accounts, and delete all unauthorized inquiries so that my credit file reflects only accurate and verifiable information. 
I respectfully request the CFPBs assistance in resolving this matter and ensuring Equifaxs compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I am submitting this complaint to request an executive-level review and goodwill adjustment consideration regarding a recently reported late payment on my mortgage account with Planet Home Lending. 

I experienced a temporary financial hardship that resulted in a late payment on my XXXX mortgage payment in the amount of {$9700.00}. I have since contacted Planet Home Lending, established a repayment arrangement, and the account is actively being brought current. Planet Home Lending has already agreed to waive the associated late fee. 

I am not disputing the accuracy of the reporting. I am respectfully requesting consideration for a one-time goodwill adjustment to remove or suppress the late payment reporting for the XXXX payment, in light of my prior positive payment history and the proactive steps taken to resolve the matter promptly. 

I was advised by Planet Home Lending that their policy does not allow goodwill adjustments. I am requesting executive-level review of this determination, as I understand such requests may be considered at the discretion of the furnisher following resolution of a temporary hardship.

I respectfully ask that Planet Home Lending consider this request in light of my payment history, my active compliance with the repayment plan, and my status as a Veteran borrower. I would greatly appreciate consideration of a goodwill courtesy under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the legally appointed Successor Trustee for a family trust. I have provided BMO Bank with all court/notarized documents proving my legal authority ( Certified Death Certificate, Affidavit Change of Trustee , and the Trust 's new EIN ). BMO is withholding the legally recognized distribution of funds by demanding a non-standard, internal proprietary form. The bank 's critical service failure is the fact that staff have repeatedly stated I am completing their own form incorrectly, yet they refuse to provide any specific instructions or assistance to correct it. This is a willful obstruction of my legal duty. I demand the bank accept the existing legal documents or assign a Senior Estate Specialist to resolve their internal paperwork issue remotely and complete the distribution immediately. I require all communication via email only as BMO staff have consistently been incapable of rendering adequate services in person.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have been a victim of identity theft. My information was exposed in the data breach, which caused a fraudulent account to be open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-16 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: TX

Complaint narrative:
PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE OF IT'S DESCREPANCIES.IT 'S REPORTING AS A CHARGE OFF AND ALSO STLL SHOWS A BALANCE. I HAVE NOT RECEIVED A 1099-C.

A CHARGE OFF IS CONSIDERED INCOME ACCORDING TO THE IRS. ACCORDING TO CONGRESS 15 USC 1681 2 ( a ) ( i ) NO TRANSACTIONS ARE ALLOWED ON A CONSUMER CREDIT REPORT. PLEASE PROVIDE A 1099 C FOR THIS CHARGE OFF.

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 2025-12-16 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: WA

Complaint narrative:
The account shown is wrongly attributed to me and must be corrected.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Credit Collection Services is reporting a collection account on my consumer credit report that is inaccurate and unverifiable. 

The account was opened around XX/XX/2025 and reflects a balance of approximately {$770.00}. Credit Collection Services is listed as both the collection agency and the original creditor, which is inaccurate and misleading. 

I have not been provided documentation showing a valid underlying obligation, proof of assignment, chain of title, or legal authority for Credit Collection Services to collect or report this account. 

This reporting fails to meet the Fair Credit Reporting Act requirements for accuracy and completeness, and the Fair Debt Collection Practices Act requirements regarding validation. 

Despite the account being reported, I have not received proper verification sufficient to substantiate the debt or justify its continued reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, the company sent me a letter stating : We have reviewed the documents you provided and believe they discharge the debt ; however, we maintain that the account is open. There was no rejection, no return of the instrument, and no explanation given. On XX/XX/XXXX, just three days ago, I discovered that they had taken my car. This marks the third repossession. There was no knock on the door, no warning via mailjust a flatbed truck arriving at XXXX. I called XXXX, the compliance representative. She instructed me not to discuss matters over email and to call her instead. I reached her voicemail. Once again, I encountered voicemail. When she finally answered, she asked how I considered it wrongful. She claimed it was not a negotiable instrument. I responded that it is under UCC, and you acknowledged receipt. She advised me to speak with our attorney. I replied that their attorney is not my lawyer and insisted on filing a complaint immediately. She informed me that I needed to pay {$590.00} or my car would be sold by XX/XX/XXXX. This was recorded. She stated that a refund would only be issued if the car was sold. I hung up. As of now, at XXXXXXXX XXXX my car is still missing. I am in the process of submitting a complaint to the CFPB regarding the debt that is not owed, the false threats of action, and the refusal to provide accounting under Pennsylvania 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 2025-12-16 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Detected fraud on account on XX/XX/XXXX noticed a odd charge later on that had occurred the day prior thorough identity iq for XXXX dollar the fraud charge was for XXXX XXXX XXXX through XXXXXXXX XXXX  the bank issued me a provisional balance of XXXX after investigation the reversed those funds sent a later stating I was at fault, upon overlooking the details the merchants sent to the bank the user created an account in my name stole my social security number my debit number including my cv2 number and also added a XXXX to the account with my name on the XXXX that is not affiliated with me the user email is also not affiliated and the phone number provide for the account is not affiliated with me upon finding this out I made a police report in XXXX XXXX and researched my next steps to try to get the return of my funds for fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, the sum of {$330000.00} was withdrawn from my Capital One account without prior notice or authorization. Upon contacting Capital One on the same date, I was informed that XXXX XXXX had allegedly placed a hard stop on a deposit made on XX/XX/year>, which had cleared on XX/XX/year>. 

I subsequently contacted the issuer of the deposit, my husband, who confirmed that no stop payment, retraction, or reversal was initiated. We then visited XXXXXXXX XXXX in person and spoke with XXXX XXXX, who confirmed that XXXXXXXX XXXX did not retract, reverse, or place a hard stop on the referenced payment. 

At this time, Capital One has advised that an internal investigation is underway and that I must wait 1530 days for a response or resolution regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-16 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to address the discrepancies on my credit reports with TransUnion ( TU ). The following accounts are disputed due to inaccurate reporting or incomplete information. I am requesting that you investigate these accounts and correct the inaccuracies as outlined.. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Had a truck through Pentagon Federal credit Union, was really good on my payments and kept insurance up to date. They required insurance to go through third party to submitted and the third party system would continuously drop myself out of it showing didnt have any so truck got repossessed but upon proving them wrong they tried to force to me to pay storage and towing fees because they were wrong on repossession and kept the truck. Now they want to collect on what was left on loan after they took truck on wrong and false pretenses

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 2025-12-16 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: AL

Complaint narrative:
SELF FINANCIAL / LEAD BANK Account : Closed 1 Late Payment Violations Single alleged late with no supporting payment record. 
Reporting after account closure. 
Demand : Delete inaccurate late payment. 
FINAL NOTICE Failure to comply within 30 days will be documented as willful or negligent noncompliance with the FCRA, FDCPA, CARES Act, Metro 2 standards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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