vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I discovered a collection account on my credit report from a company called CREDIT COLLECTIONS for {$320.00}, supposedly originating from XXXX XXXX XXXX XXXX. 
I was never notified about this debt, I never received any bills, and I stopped using XXXX  years ago. 
I have no idea what this debt is for. 

I never authorized this account, I was not contacted in writing, and I dispute the validity of the debt. 
I have been experiencing serious health issues and I submitted medical hardship documents to my creditors and credit bureaus asking for support. 
But this collection agency is trying to collect on something I was never told about. 

They never informed me, and I found out only by checking my credit report. 
This is causing stress and affecting my credit and health. 
I request that this account be fully investigated and removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
after reviewing my Experian account I see a student loan on there that is inaccurate and does not belong 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 2025-07-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : 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 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
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-01 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my recent credit report, I noticed several accounts related to loans and vehicle financing that have no connection to me and were not opened with my authorization. These accountsXXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXXXXXX XXXX  ( opened XX/XX/XXXX ), and XXXX XXXX ( opened XX/XX/XXXX ) do not belong to me and their presence is completely unjustified. This situation is not only a serious violation of my financial integrity but also a clear lack of respect, as it is negatively impacting the normal development of my credit history and overall financial life. I am urgently requesting that these accounts be fully investigated and BLOCKED and REMOVED from my credit report IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my recent credit report, I noticed several accounts related to loans and vehicle financing that have no connection to me and were not opened with my authorization. These accountsXXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXXXXXX XXXX ( opened XX/XX/XXXX ), and XXXX XXXX ( opened XX/XX/XXXX ) do not belong to me and their presence is completely unjustified. This situation is not only a serious violation of my financial integrity but also a clear lack of respect, as it is negatively impacting the normal development of my credit history and overall financial life. I am urgently requesting that these accounts be fully investigated and BLOCKED and REMOVED from my credit report IMMEDIATELY

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
* * * * Equifax Information Services LLC * * XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Request for Removal of Consumer File Notices and Fraud Alert from Credit Report To Whom It May Concern, I am writing to formally request the removal of certain consumer file notices and a fraud alert currently listed on my Equifax credit report. I believe these items are no longer applicable or were added in error. 

Specifically, I am requesting the removal of the following items : - * * Fraud Victim Alert ( associated with trade ) * * - * * Consumer File Notice : Report Blocked for Promotional Purposes * * Please see the attached copy of my credit report highlighting the sections where these entries appear. I confirm that I am not currently a victim of fraud and do not wish to have a fraud alert or other consumer notices remain on my file at this time. 

I respectfully request that Equifax remove any active fraud alerts and consumer file blocks and restore full visibility of my credit information for promotional and other appropriate purposes. 

If any further documentation or identification is required to process this request, I am happy to provide it promptly. I appreciate your attention to this matter and look forward to receiving written confirmation once the items have been removed. 

Sincerely, * * [ ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: PR

Complaint narrative:
Subject : Request for Deletion of Account with XXXX XXXX XXXX XXXX ( # XXXX ) Due to Errors and Inconsistencies Hello, I am writing to formally request the removal of an account from my Experian credit report that contains multiple errors and is negatively impacting my credit score. The account is with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my credit file, Ive noticed several discrepancies that raise concerns about the accuracy of the information reported : The account is marked as open, yet there have been no payments made since XX/XX/XXXX, which suggests it should have been closed or charged off by now. 
The past due amount is listed as {$320.00}, but the original loan was {$400.00}, and theres no clear breakdown or explanation of how the balance reached that point. 
The credit limit is reported as {$0.00}, which misrepresents the original loan terms and negatively affects my utilization ratio. 
The payment history shows consistent delinquencies ( 120 days past due ) for multiple consecutive months, but no clear effort to resolve or close the account. 
The " date of last activity '' is listed as XX/XX/XXXX, which is inconsistent with the " last payment date '' of XX/XX/XXXX, further suggesting the data may be outdated or incorrectly updated. 
Therefore, under the Fair Credit Reporting Act ( FCRA ) and the full weight of the law, I respectfully and firmly request that you : Investigate and verify the accuracy of this account with the original creditor, XXXX XXXX XXXX XXXX. 
Provide all documentation used to report this information to Experian. 
And, if the information can not be confirmed as XXXX XXXX  accurate, consistent, and up to date, I kindly but firmly demand the complete deletion of this account from my credit report. 
I am including a copy of my government-issued ID and a copy of my credit report highlighting the disputed account. 

Thank you for your attention. I look forward to your response within the XXXX period required by law. 

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
b'###  CFPB Follow-Up Complaint Submission\n\n**Subject:** Follow-Up Complaint  Inaccurate Reporting of Repossessed Auto Loan by Equifax  Prior Case Ignored Violations\n\n**Complaint Summary:**\n\nThis is a follow-up to a previously closed CFPB complaint  **Reference Number: XXXX   which was marked resolved without addressing the actual legal and compliance violations I raised regarding a **repossessed auto loan reported by XXXX XXXX XXXX  via Equifax**.\n\nI am reopening this issue because Equifaxs response:\n\n* Merely stated the account belongs to me\n* Claimed to update Scheduled Payment, Additional Information, and Account History without explanation\n* Did **not provide documentation** under **XXXX XXXX**\n* Did **not confirm correction** of violations under **XXXX XXXX** formatting or **XXXX XXXX**\n\n---\n\n### Unresolved Legal Violations:\n\nXXXX No confirmation of correct **Collateral Status** or **Special Comment Code** for repossession\nXXXX Missing or incorrect **Date of Last Activity (DLA)**\nXXXX  No **Compliance Condition Code** listed for charge-off\nXXXX. Balance may still be inaccurate  no confirmation vehicle recovery was reflected\nXXXX. No valid **XXXX XXXX compliance coding** provided\nXXXX. No documentation supporting verification was ever submitted\n\n---\n\n###  Why This Needs to Be Reopened:\n\nThe prior complaint was closed with "non-monetary relief," but my **legal rights under XXXX XXXX XXXX  and XXXX** have still not been honored. Equifaxs vague changes are insufficient and fail to demonstrate that the data is now **fully accurate, verifiable, and complete**.\n\nThis is not a dispute of ownership. This is a demand for **accurate and legally compliant reporting**.\n\n---\n\n###  What I Am Requesting:\n\n* A full reinvestigation of this account, with **proof of XXXX XXXX and FCRA compliance**\n* Full documentation under XXXX XXXX\n* Or a complete **deletion** of the account due to non-compliance and lack of verifiable evidence\n\nPlease consider this an **active, ongoing legal dispute**, not a resolved matter.\n\n**Thank you,**\nXXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am submitting this complaint against Equifax for materially inaccurate, misleading, and duplicative reporting related to XXXX mortgage tradelines that appear on my credit file. These tradelines, both linked to XXXXXXXX XXXX, contain conflicting data and are actively harming my credit profile and creditworthiness. 

The accounts in question are : XXXX. XXXXXXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX Account number : XXXX Both accounts are reporting the same mortgage loan with identical open dates, high balance amounts, and other critical terms. However, the XXXXXXXX XXXX account number : XXXX falsely reports XXXX and XXXX late payments ( XXXX and XX/XX/year>, respectively ), while the XXXX XXXX account simultaneously reports the same obligation as current and paid as agreed.

These accounts are clearly duplicative and inconsistent. There is no lawful basis to report the same loan twice with XXXX separate account numbers and creditor names, nor is it permissible to reflect XXXX opposing payment statuses on the same obligation. 

Despite prior disputes and requests for verification, Equifax has failed to take corrective action, violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX ( b ) : Failure to maintain maximum possible accuracy. 
XXXX XXXX. XXXX ( a ) : Failure to conduct a reasonable reinvestigation after dispute. 
XXXX XXXX. XXXX ( b ) : Duty of data furnishers to report accurate information and correct or delete inaccurate data after notification. 

Additionally, no other credit reporting agency ( XXXX or XXXX ) reflects these erroneous late payments or duplicate accounts, further proving the reporting on Equifaxs file is uniquely inaccurate. 

This is not a dispute of liability, but a dispute of reporting accuracy, data duplication, and conflicting tradeline status, which Equifax has continued to verify without proper documentation or review. I am requesting immediate removal of the XXXX XXXX account ( # XXXX ) containing the inaccurate late payments and duplicative entry. 

Attached Supporting Documentation : PDF summary of duplicate entries and discrepancies Copy of my FTC Identity Theft and FCRA Violation Report Copy of government-issued ID ( drivers license ) Copy of Social Security card ( for identity verification ) I respectfully demand that Equifax permanently delete the inaccurate tradeline and provide written confirmation that the matter has been resolved in compliance with federal law. Failure to act will result in further complaints with the FTC, state regulators, and legal action under FCRA XXXX and XXXX for negligent and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Bank ( USA ), N.A. has been the subject of * * XXXX Consumer Financial Protection Bureau complaints * * filed by me since * * XX/XX/year> * *, with * * XXXX ( XXXX ) of those occurring within the past XXXX days * *. Each complaint documents not only a pattern of bad-faith communication and failure to honor clear regulatory expectations but a deepening disregard for ethical consumer treatment. 

I have exhausted all good-faith efforts. What began as a dispute has evolved into a public accountability crisis. Capital One has failed to acknowledge material errors, actively suppressed communication, and resisted meaningful resolution timelines, all while continuing practices that have harmed me as a consumer. 

This is no longer about personal injury or financial redress. Its about protecting others from what I now understand is not an isolated case but a systemic rot. 

As I have said before, * it was never just about what's in * * THEIR WALLET * * it's about what's been hidden in their closet. * Capital Ones internal processes or lack thereof appear designed to outwait, outspend, and silence legitimate grievances. My filings are now being escalated into the public and regulatory spotlight to ensure this is no longer tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Too many unauthorized inquires, bankruptcy not being deleted from my credit report per request. Old accounts not removed from credit report. Too many negative accounts still on my credit report after many years.

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