vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I am formally disputing ALL negative, derogatory, and adverse entries being reported by Experian, Equifax, and TransUnion that can not be verified with competent, admissible evidence pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I have submitted sworn Affidavits of Truth under penalty of perjury to all three credit reporting agencies demanding full compliance investigations. I am not requesting superficial dispute processes - I am demanding verification with proper documentation including : 1. Full legal name and address of original creditor/furnisher 2. Copies of contracts, applications, or agreements bearing my wet ink signature 3. Documentation of delinquency dates, charge-offs, and any account transfers 4. Method of verification used, including contact information of verifier 5. Complete chain of custody documentation for any debt assignments The credit bureaus are required by 15 U.S.C. 1681i to conduct reasonable reinvestigation and may not rely on automated or superficial verification. Any items that can not be verified with the evidence described above must be deleted immediately. 

Continued reporting of unverified information constitutes willful noncompliance with the FCRA and defamation of character, causing ongoing damage to my credit reputation and financial opportunities.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One is marking my XXXX XXXX XXXX monthly for bank account fraud. I disputed it through early waning and capital one came back with that it was true. I have called the bank and no one could find an account linked to my name or social. I do have regular capital one credit cards but I have never had a capital one or any of its predecessors as a bank. I would like to know what this supposed fraud is so I can fix it and file a police report. I hold a federal government security clearance and need to keep my accounts in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I 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 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
The Department of Educations Debt Management and Collections System ( DMCS ) seized my entire federal tax refund through the Treasury Offset Program without sending the legally required pre-offset notice. 

The loan had recently transferred from XXXX to XXXX. I received no notice warning of an offset and no opportunity to dispute or enter repayment. 

This violates 31 U.S.C. 3720A, 31 C.F.R. 285.5, and due-process requirements. I am requesting administrative review and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 2025-12-18 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: TX

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law.

Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, EQUIFAX continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
I noticed a collection reporting on my credit that I didn't recognize. I reached out to Kimball Tirey St John and inquired about the details of this collection. I was told that it's linked to an apartment rental. I explained to them that I didn't rent an apartment in XXXX  as I reside in XXXX  and that I believe my information was used by someone else without my authorization nor knowledge. I later learned that a former partner used my private and personal info to rent an apartment where I didnt reside, nor agree to. I inquired as to what is the fastest method to remove this account from my credit profile as I was in a process of a loan and needed my credit updated ASAP. I was told that the account will be removed from my credit if I settle it, so I SETTLED ON A DEBT THAT DOESN'T BELONG TO ME!!!! However, the account wasnt removed and continues to report on my credit Now I am out of money and the fraudulent account continues to report on my credit. I am requesting the immediate removal of this account from my credit profile as it IS NOT MINE and I'm not liable for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a formal complaint against XXXX regarding a transaction with XXXX on XX/XX/year>. I never received the purchased goods, yet XXXX closed my dispute without properly reviewing my evidence and accepted a delivery scan from the merchant as sufficient proof. 

The delivery confirmation provided does not include a photo, GPS coordinates, signature, or my exact address. Unlike previous deliveries, it only lists my city as the delivery location, which does not prove receipt of the package at my address. 

I have multiple strong pieces of evidence demonstrating non-delivery : A screen recording showing my location XXXX minutes away from the claimed delivery time, communication showing XXXX contradicted themselves, repeatedly saying they would file a carrier claim but then directing me to do so, despite XXXX requiring the shipper to submit claims, and clear documentation of Temus disregard for the situation and failure to properly investigate the missing delivery. 

Despite this, XXXX accepted the merchants delivery scan as definitive proof and closed my case without acknowledging my evidence or conducting any further review. This leaves me at risk of being unfairly charged and potentially sent to collections for goods I never received. 

I have already filed a chargeback with my bank for the full amount due to non-delivery. I am requesting that the CFPB investigate XXXX for refusal to properly handle legitimate non-delivery disputes, acceptance of inadequate proof from merchants without verification, and potentially unlawful collection practices and risk to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding an alleged collection account that continues to be reported on my credit reports by XXXX XXXX and XXXX  for a debt I do not owe. 

Portfolio Recovery is reporting an account with the original creditor listed as XXXX. I do not have any outstanding balance with XXXX. Any prior debt associated with XXXX was fully settled more than XXXX years ago. Portfolio Recovery was already notified of this fact in a prior CFPB complaint submitted on XX/XX/year>. That complaint ID is XXXX. 

Despite this notice, Portfolio Recovery continues to furnish this account. The balance being reported is also inaccurate. There was never a balance of {$11000.00} owed to XXXX, which was clearly communicated to Portfolio Recovery. 

Portfolio Recovery has failed to provide proper debt validation as required under 15 U.S.C. 1692g, including proof of assignment, chain of title, or documentation establishing any legal obligation on my part. Continuing to report this account without verification is misleading, harmful to my credit, and a violation of federal consumer protection laws. 

This company has a documented history of predatory and unlawful debt collection practices, and its continued reporting of an unverified and inaccurate account further demonstrates noncompliance. 

I am demanding the immediate removal of this Portfolio Recovery account from all credit reporting agencies. If this matter is not resolved promptly, I will pursue further action, including legal remedies available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX v. TransUnion, LLC ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX v. TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : I am submitting a formal dispute to request an investigation of inaccurate and unverified items on my Equifax credit report. I request that Equifax review these items and correct or remove them as necessary, in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts The following charged-off accounts are being reported on my Equifax credit report, and I dispute their accuracy : XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXXXXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated.

Unauthorized / Unverifiable Inquiries The following inquiries are listed on my Equifax credit report, and I do not recall authorizing them. I request that they be removed : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment Reporting The following account is reporting a late payment that I dispute : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GATEWAY FIRST BANK
State: NJ

Complaint narrative:
b'I was applying for a Pre-approval letter for a mortgage which only required the mortgage company to do a soft credit check. The loan/mortgage specialist told me that he accidentally hit the wrong button and did a hard credit check. This will now stay on my credit report for quite a length on time and has already brought my credit score down by several points. He informed me from the start that he would be doing a soft credit check, and it would not affect my credit score, which is what I agree to.\nThis was for a pre-approval letter, not a mortgage. This process began on XXXX XXXX XXXX.\nThis was:\nGateway Mortgage\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief