vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off. 
2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX was hired to do plumbing work for my home. The work as not completed and the finance company is billing me for the work. I sent a certified letter explaining that the work is not completed and my request for documentation for the completion of the work has not be completed by the finance company. The finance company ( Goodleap ) calls daily asking the same questions and will not send the documentation stating the work was accepted as complete. I have explained on every daily call that the work is not complete and until the work is complete, I do not owe this money. The finance company is in violation of the fair dept collection act and continues to contact me for payment of the loan for work that has not be completed. I have been working with the contractor and have a scheduled date for the work to be completed, but as of now, the work is not completed. This has been going on for 53 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

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 2025-12-03 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: AZ

Complaint narrative:
I am filing this complaint because Equifax is reporting several items that I believe are inaccurate, outdated, or unverifiable. I have tried disputing these items directly with Equifax, but the issues were not resolved. 

Charged-Off Accounts in Dispute XXXX  XXXX XXXX Account ending in XXXX Reported XX/XX/XXXX Balance : {$9200.00} This account appears outdated and inaccurate. I request proper verification or removal. 

XXXX XXXX Account # : XXXX Reported XX/XX/XXXX Balance : {$15000.00} I dispute the accuracy of this accounts balance, dates, and reporting. 

XXXX XXXX Account # : XXXX Reported XX/XX/XXXX Balance : {$170.00} The reporting date appears incorrect and inconsistent. I request validation or removal. 

Inquiries in Dispute I do not recognize the following inquiry : XXXX XXXX XX/XX/XXXX I request verification of permissible purpose or removal if it can not be validated. 

Late Payments in Dispute I am disputing late payment reporting on the following accounts, as the information does not match my records : XXXX Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX I request full verification of all late payments or removal if they can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-03 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: AL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-03 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach XXXX Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$420.00} Account name XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$18000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00}

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 2025-12-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Re : Demand for Full Method of Verification under FCRA 611 ( a ) ( 7 ) & FCRA 609 ( a ) ( 1 ) ( A ) CFPB Complaint Filed : XX/XX/XXXX Experian Response Received : [ Insert Date ] To Whom It May Concern, This letter is in response to your recent communication regarding the results of your alleged reinvestigation. Your response claims that the data furnishers verified the disputed information on my consumer report as accurate. However, you failed to provide the legally required documentation that proves this verification took place. 

Under the Fair Credit Reporting Act, I now formally demand the following : 1. METHOD OF VERIFICATION Pursuant to FCRA 611 ( a ) ( 7 ), you are required to provide : The name, address, and direct phone number of the person you contacted ; The method used to verify the information ; The documents, contracts, signatures, and evidence that prove the furnisher verified the account ( s ).

A generic statement that the furnisher verified the information does not meet the statutory requirement. You are required to provide actual evidence.

2. RIGHT TO SEE ALL INFORMATION Under FCRA 609 ( a ) ( 1 ) ( A ), I am requesting : All business records, applications, signed agreements, account notes, and communications used to verify each disputed account.

If you do not possess these documents, then you can not claim the information was verified. In that case, the disputed items must be removed immediately for failure to substantiate.

3. FAILURE TO CONDUCT A REAL INVESTIGATION Your response does not demonstrate compliance with : FCRA 611 ( a ) ( 2 ) ( B ) ( reasonable reinvestigation ) FCRA 607 ( b ) ( maximum possible accuracy ) GLBA data handling
requirements Metro 2 Compliance A parroting of the furnishers position, without independent investigation or documentation, is not verification it is a violation.

4. REQUIRED ACTION You now have 15 days from receipt of this notice to : Provide complete verification documentation OR Delete all accounts that can not be verified Failure to do so will result in : A supplemental CFPB filing, A complaint with my State Attorney General, and A claim for willful non-compliance under FCRA 616 and FCRA 617, which allows for statutory, punitive, and actual damages. 

I expect a complete response, including all materials used in your investigation. Accurate reporting is your responsibility proof of verification is not optional. 

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
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am filing a complaint because XXXX  is reporting XXXX accounts that do not belong to me, and XXXX  has failed to verify these accounts with documentation after my disputes. The accounts are American Express ( Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2000.00}, opened XX/XX/year>, and XXXX  ( Account ending XXXX * * ) * * with a high balance of {$5200.00}, opened XX/XX/year>. I disputed both accounts, and XXXX  responded only with the furnisher verified the information as accurate, but no actual documentation was provided to prove ownership or authorization. 

I received documents from XXXX that included sales receipts and delivery confirmations, but these do not prove that I opened or authorized a credit account. No signed application, identity authentication, or account-opening records were provided by either furnisher. Under FCRA, a furnisher must provide proof of identity match and account origination, not just billing records. XXXX  accepted the furnishers response without confirming the accuracy of the information. 

Additionally, I was a confirmed victim in the XXXX XXXX XXXX XXXX Data Breach ( Case No. XXXX ), meaning my personal information was exposed and could have been used to open fraudulent accounts. Because of this, XXXX  has an obligation to require actual verification rather than relying on automated responses. 

I am requesting that XXXX  provide documentation proving ownership of these accounts including signed credit applications, identity verification from the date of opening, and all supporting documents used to verify the accounts. If XXXX  can not provide this documentation, both accounts should be permanently deleted under the FCRA for lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting this complaint because Equifax is reporting several accounts and items that I believe to be inaccurate, unverifiable, or outdated. I have attempted to resolve these issues directly with Equifax, but the inaccuracies remain. 

Accounts in Dispute ( Charged Off ) : XXXX Account # : XXXX Reported XXXX  : XX/XX/XXXX Balance : {$11000.00} This account is being reported inaccurately. The information shown does not match my records, and I am requesting verification of all details, including balance, dates, and ownership. 

XXXX  XXXX Account # : XXXX Reported XXXX  : XX/XX/XXXX Balance : {$0.00} This account appears to be outdated and should no longer be reported. I am requesting a full investigation and removal if the information can not be validated. 

XXXX XXXX Account # : XXXX Reported XXXX  : XX/XX/XXXX Balance : {$0.00} This account appears inconsistent and outdated. I am requesting proper verification or removal. 

Inquiries : Equifax shows no inquiries, yet other bureaus list inquiries during the same time periods. I want verification that Equifaxs inquiry reporting is complete and accurate. 

Late Payments : None reported, but I request a full review to ensure no inaccurate late payments exist. 

Requested Action : I ask that Equifax conduct a complete investigation and remove or correct any items that can not be fully verified with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HighPoint Law Offices, LLC
State: MI

Complaint narrative:
The debt collection company withdrew more than the amount specified in our written payment agreement. 

We agreed to pay {$1000.00} per month ( {$500.00} on each of XXXX accounts ). Without authorization, they debited {$1500.00} total. This caused financial hardship and almost made me miss rent. I have discussed this with my attorney and they confirmed that these were violations. 

Although they later mailed me a refund check, the unauthorized overcharge still occurred, and I believe this violates the Fair Debt Collection Practices Act ( FDCPA ). I want this incident on record, and I want assurance that this company will not engage in unauthorized debits again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-03 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
XXXX and the consumer advocacy group have failed to check the records of XXXX XXXX and XXXX and all parties involved refuse to acknowledge any discrepancies or apparent problems or factual issues that I have had for XXXX  years

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: UT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One account was garnished from XXXX XXXX XXXX, we came to agreements and settled debt. They Fax the release form XX/XX/year> to unfreeze my account ( Capital one fax # XXXX ). I keep calling Capital One they continue to claim they have not received the release form. I've contacted noack law firm numbers times as well and they have confirmed by showing me timestamps of when they have fax over release form for my account ( they say multiple customers have called to complaint about same issue ). This situation has put me through a hardship, my accounts are overdrafted. My mortgage has not been paid, I am not on federal benefits and have no more money to be able to even buy my babies a container of milk. I need help ASAP. H

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I've gotten several emails from Navy Federal that is offering me a settlement option on both cards. The payments are out of reach for my income situation. The settlement payment is in total lower but they will not make payments that will be working within my affordability. I called them a few years ago and the lady still hasnt ' called me back from that call. I offered {$10.00} a paycheck and they turned that down several times. The last time they decided that they'd take the {$10.00} but they will not lower the balance. They've already charged it off. They said that {$10.00} was too little. When I offered even $ XXXX weekly they turned that down. I had XXXX last year, my spouse has passed away and that leaves me with a lower income and I'm trying to do the right thing and asking for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief