vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I co-signed a lease for my wifes cousin and she always paid and left after her lease was over. I have an email saying we owe the apartment complex {$0.00}. I called the apartment complex previously and they said they have no record prior to 2025 because the previous owner sold all of the renters information to a debt collector. I have reason to believe XXXX XXXX in XXXX XXXX falsified debt and sold the debt to collections. 
Collector is Sequium Asset Solutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: DE

Complaint narrative:
I received a letter from National Service Bureau ( NSB ) claiming that I owe {$710.00} to Costco.com. This is incorrect. I do not owe XXXX any money. 

After receiving the letter, I requested verification of the debt. The documentation NSB sent actually showed that I do not owe. When I disputed the debt and asked them to investigate further or confirm that it was dismissed, they sent the same paperwork again, but this time they left out some of the paperwork that shows that they are error. 

The amount in question came from a fraudulent charge on my XXXX XXXX XXXX account. XXXX XXXX XXXX investigated and confirmed the charge was fraudulent, then issued a chargeback in my favor. Months later, this same fraudulent amount was sent to collections under my name. NSB is aware that this was a chargeback and was determined to be fraud. The paperwork they sent initially stated that fact very clearly. 

This situation appears to be an error that has not been properly corrected. I am requesting that the CFPB review this matter and ensure that both NSB and XXXX stop any further collection attempts or reporting related to this invalid debt. Their continued collection efforts after receiving a proper dispute notice may violate the Fair Debt Collection Practices Act.

I will be following up with the XXXX  Consumer Protection and the State Bank Commissioner as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit R

eporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-05 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: SC

Complaint narrative:
The Fair Credit R

eporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and repeated violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Standards regarding the inaccurate reporting of addresses and related credit accounts that do not belong to me. 

On my XXXX  Credit Report dated XX/XX/year>, Equifax continues to report XXXXbased addresses that I have never resided at, conducted business at, or authorized for any use on my consumer file. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are completely false and unassociated with me, and I have never lived in or maintained any account or business in Texas. 

Equifax labels some of these addresses and linked trade lines as verified, but provides no verifiable supporting information ( for example : the verification date, the source or furnisher of the verification, the method used to verify, or any documents relied upon ). I have received no copy of any documentation showing how Equifax concluded these entries were accurate. I am therefore requesting full disclosure of the verification process and all supporting records used to verify any address or account associated with my consumer file. 

Despite my prior attempts to dispute these inaccuracies, Equifax has failed to properly investigate or remove them. Moreover, accounts linked to these fraudulent or incorrect addresses remain reported, which constitutes a direct violation of FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation and the Metro 2 Reporting Format used by credit furnishers and bureaus to ensure data integrity and consumer accuracy. 

Violations and Concerns FCRA 607 ( b ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy in my file. 

FCRA 611 ( a ) : Equifax has failed to correct or delete inaccurate information after being notified of the dispute. 

XXXX XXXX Standards Violation : Maintaining or associating incorrect addresses to active or historical trade lines violates the XXXX XXXX formats accuracy and consumer identification requirements. 

Potential Identity or File Mixing : The reporting of unrelated addresses and linked accounts may suggest that Equifax has commingled another individuals data with mine. 

Lack of Verifiable Verification : XXXX practice of marking items verified without producing the verification source, method, furnishers identity, dates of verification, or any supporting documentation undermines my ability to meaningfully dispute and is inconsistent with FCRAs accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because there are multiple inaccurate, unverifiable, or unauthorized items appearing on my credit reports from XXXX, Experian, and XXXX. I have tried to address these directly with the bureaus and creditors but have not received proper investigation or correction in accordance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and deletion of all inaccurate or unverifiaCharged-Off Account Creditor : XXXX XXXX Account Number ( partial ) : XXXX Date Opened/Reported : XX/XX/XXXX Balance Reported : {$0.00} Statement : Same as with XXXX, this Charged Off status appears inconsistent with a {$0.00} balance. I have not received proof of charge-off or transfer of ownership. Please investigate and remove if unverifiable. 

Inquiries ( Listed by date and name for Experian ) 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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX Statement : There are excessive and repeated auto-related hard inquiries within a short timeframe. I did not authorize many of these, and some appear to be duplicate submissions made by dealerships or lenders. I am requesting a review and deletion of all unauthorized or duplicate inquiries. 

Late Payments XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX information listed below.

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 2025-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am online on XX/XX/XXXX at XXXX at the library in XXXX XXXX XXXX  I am not able to successfully log on to TransUnion. It allowed me to reset my pw but it throws me into a loop so I am not able to log on. When I attempt to log on, it sends a code to my email. When I enter the email I receive this error : Were sorry. See Screenshot - This error took place the XXXX time I attempted to log in. 
" It looks like you've reached the maximum number of attempts. Contact customer service for help. '' I also have a charge on my credit card for {$29.00} for TransUnion XX/XX/XXXX post date XX/XX/XXXX trans date XXXX Ref # " TU * TRANSUNION XXXX XXXX  I have not requested anything out of the ordinary from TransUnion. The Credit Reports are FREE once a year. I can not even log on to process anything. 

My Transunion membership : email/user : XXXX SS # ending XXXX Credit Card ending : ending XXXX ( card with 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-05 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 2025-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: VANDYK MORTGAGE CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX who is an LO at VanDyke Mortgage XXXX XXXX XXXX Florida was extremely unprofessional in the whole process of trying to submit a 12 month bank statement loan. He used vulgar language and even would answer and hang up on me. He should not be blacklisted from originating loans and his company should be ashamed of having someone like that representing their company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 submitting this dispute to formally contest the accuracy of the accounts identified. As I did not authorize or open them, I request their deletion and an immediate investigation. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies and certain data furnishers who are reporting inaccurate and unauthorized information on my credit file. Despite my efforts to maintain a clean credit record, I have found numerous errors that have caused serious harm to my credit profile and personal reputation. 
UNAUTHORIZED / QUESTIONABLE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these inquiries, and no permissible purpose under FCRA 604 has been established. These hard inquiries were made without my consent and must be removed immediately. Each unauthorized inquiry is a violation of my rights and has negatively affected my credit profile.

Harm and Impact Because of these inaccurate reports, unauthorized inquiries, and false addresses, my credit score has been negatively impacted. I have been unfairly denied credit opportunities and have suffered emotional and financial distress due to the negligence of the credit reporting agencies and data furnishers involved.

Requested Action I am requesting that the CFPB investigate the following : XXXX. Why these wrong addresses were added to my credit file. 
XXXX. Why XXXXXXXX XXXX XXXX XXXXXXXX XXXX report a false charge-off without verification. 
XXXX. Why multiple companies conducted unauthorized hard inquiries without my consent. 
XXXX. Require the credit bureaus and furnishers to immediately correct or remove all inaccurate and unverified information from my credit report. 
Conclusion I am seeking the CFPBs assistance to ensure full compliance with the FCRA and that these entities are held accountable for their violations. I respectfully request that the CFPB compel the credit bureaus and furnishers to provide proof of accuracy or remove these items from my report within 30 days. 
Thank you for your time and for protecting consumer rights. I am attaching copies of my credit report highlighting the disputed items, as well as identification for verification purposes.

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 2025-11-06 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-06 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had contacted the companies as well as the credit bureaus to let them know that I did not authorize them to pull my credit and that the inquires should be removed they told me they cant even though they were not authorized and that is not true!! Remove those inquires now or I will sue. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had contacted the companies as well as the credit bureaus to let them know that I did not authorize them to pull my credit and that the inquires should be removed they told me they cant even though they were not authorized and that is not true!! Remove those inquires now or I will sue. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WA

Complaint narrative:
I continue to receive letters for a false debt from XXXX. XXXX has no record of this debt or an account in my name, that they can provide. 

True accord has sent XXXX notifications, to date, of true accord account numbers relating to various debts owed to XXXX. I have responded to all for letters via the email given in their letter explaining the debt is not mine. 

True Accord is passing on false information in hopes I will pay a debt I do not owe. I have no record of any debt or any interaction with XXXX. XXXX is also not helpful in resolving this fraud. 

They have issued you me XXXX separate account numbers

Company response to consumer: Closed with explanation