vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts on my credit report. I am a verified victim of the XXXX  XXXX XXXX, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the expedited blocking of these fraudulent accounts within the legally mandated time frame of four ( 4 ) days

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 2025-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
ACCOUNT # XXXX REF # XXXX I am filing this complaint because I do not owe the alleged debt that Hillcrest , Davidson , and Associates LLC is attempting to collect. This company has falsely claimed they have a contract related to this debt, yet I have no contract with Hillcrest , Davidson , and Associates LLC, nor with the alleged original creditor or any associated company. 

Despite my disputes, the company continues to : Falsely report the debt on my credit reports Harass me with unprofessional and aggressive communications Misrepresent their legal standing and obligations under the law Furthermore, I have a recorded conversationwhich I am preserving as an exhibit for court and regulatorswhere their representative XXXX ( XXXX ) explicitly stated that : I have no rights under federal law The only thing they can provide is an alleged fraud contract I can not request any further documents or information This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692g, which grants me the right to request validation and supporting documentation for any alleged debt.

Due to these unlawful actions, I have suffered : Emotional distress Loss of job opportunities due to credit damage Financial harm Medical expenses and hospital bills stemming from stress Hillcrest , Davidson , and Associates LLC is fully liable for harassment, defamation, financial damages, and health-related costs. I am pursuing all available legal remedies and intend to hold them accountable.

Requested Resolution : Immediate removal of the false debt from all credit reports Immediate cessation of all collection activity Compensation for damages, credit harm, harassment, and medical costs I urge the CFPB to take swift investigative and enforcement action against this company for these clear and deliberate violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-21 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( 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 2025-07-21 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Asset processing LLC
State: TX

Complaint narrative:
Today I received a disturbing and suspicious phone call from someone who identified themselves as Located Parks or something similar. The caller claimed they were calling from the pre trial division and processing department regarding a complaint that had just been received and was being filed. The individual claimed the matter was assigned and then referenced National Asset Management.

He read off a set of numbers and claimed there were attachments involved. Then, during the call, I heard an automated voice system in the background reading off additional numbers, making the situation feel scripted and deceptive. The call ended with instructions to press one to be connected with a case manager. This made it sound like I was being dragged into a legal proceeding or criminal process, when in fact I have never been properly notified or served about any such case.

This is the second or third time I have received threatening or misleading phone calls involving my private information being passed around between unknown third parties, often without identifying themselves clearly or providing any legitimate proof of debt. This is harassment, and it is illegal.

These actions are in clear violation of multiple federal laws, including : Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692d prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt 15 USC 1692e prohibits the use of any false, deceptive, or misleading representation, including pretending to be part of a legal process or government agency 15 USC 1692g requires that I be sent written validation of the debt before any collection activity can legally proceed Gramm Leach Bliley Act 15 USC 6801 prohibits financial institutions and their agents from disclosing personal financial information without consent Fair Credit Reporting Act ( FCRA ) 15 USC 1681b and 1681c restricts access to consumer credit information and requires accuracy and accountability from anyone accessing or using such data I have never received proper documentation regarding this alleged debt and I did not give anyone permission to share or transfer my information to this so called pre trial department. I believe this call was an attempt to frighten me with fake legal threats and extract money under pressure. This is not only deceptive, it is fraudulent and emotionally damaging.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am requesting the immediate reinvestigation and permanent removal of the inaccurate late payment reported under the following accounXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX A fair resolution includes : EXPERIAN contacting the furnisher and requiring documented proof ( e.g., payment reminders, warning letters, emails ) that proper notice was sent before the delinquency was reported. 

If such documentation can not be provided, EXPERIAN must remove the late payment from my credit report in compliance with FCRA 1681i ( a ) and 1681e ( b ).

A written notice of the investigation results, stating clearly whether the item was corrected or deleted.

Delivery of an updated credit report reflecting the correction or deletion within the 30-day timeframe required by law.

I am not asking for special treatment I am requesting what is legally required under the Fair Credit Reporting Act : a fair investigation, accurate reporting, and deletion of unverifiable or incomplete negative marks.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I processed my payment with capital one on due date capital one processed payment the following day and charged me a late fee that they are unwilling to reverse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: KY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting the immediate reinvestigation and permanent removal of the inaccurate late payment reported under the following account : XXXX XXXXXXXX XXXX Account Number : XXXX A fair resolution includes : Equifax contacting the furnisher and requiring documented proof ( e.g., payment reminders, warning letters, emails ) that proper notice was sent before the delinquency was reported.

If such documentation can not be provided, Equifax must remove the late payment from my credit report in compliance with FCRA 1681i ( a ) and 1681e ( b ).

A written notice of the investigation results, stating clearly whether the item was corrected or deleted.

Delivery of an updated credit report reflecting the correction or deletion within the 30-day timeframe required by law.

I am not asking for special treatment I am requesting what is legally required under the Fair Credit Reporting Act : a fair investigation, accurate reporting, and deletion of unverifiable or incomplete negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
b'I sent a certified letter to Equifax on 04/03/2025 via USPS mail with a tracking number oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The letter was delivered to Equifax in XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Equifax  ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were.XXXX XXXX XXXX XXXX XXXX XXXX  and account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
Complaint Summary : I am filing this complaint regarding the misreporting and mismanagement of a charged-off account by XXXX XXXX  XXXX XXXX ). There are two major issues : 1. Inaccurate Credit Reporting : I have paid {$1200.00} toward this charged-off account between XX/XX/XXXX and XX/XX/XXXX in monthly payments of {$200.00}. These payments have been withdrawn from my bank account. Despite this, my Experian credit report still shows charged off every single month, with no reduction in balance or reflection of repayment activity. The balance is inaccurately listed as {$6700.00}, when it should be {$6500.00} based on my payment history. 

XXXX is failing to update the payment history or status, even though they acknowledge a payment on XX/XX/XXXX. This violates the Fair Credit Reporting Act ( FCRA ), which requires all data furnishers to report accurate and complete information. Repeatedly listing CO monthly, with no balance changes, misrepresents the accounts true status and negatively affects my credit profile.

It is currently showing Charged Off. {$7700.00} written off. Past due : {$6700.00}.

Monthly reporting : CO, CO, CO, CO, CO Even though I am actively making payments, Experian still shows : Charge-Off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX. 
No acknowledgment of my payments from XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
A static balance that is inaccurate ( it should be {$6500.00}, not {$6700.00}, based on {$1200.00} I have paid ). 
However I am making payments therefore this is highly inaccurate.

2. Inconsistent Payment Withdrawals : I have authorized recurring payments to resolve this debt, and I ensure funds are available monthly. However, XXXX has failed to pull payments consistently, skipping months without explanation. This places an unfair burden on me, despite my clear intent and effort to repay. Their inconsistent withdrawal pattern may also contribute to the inaccurate reporting described above.

Attached is a summary of my payments to illustrate the months and amounts paid, which should be reflected in both the balance and payment history. 

I will not tolerate stall tactics. I will not tolerate a failed investigation, or unjust investigation. I will not tolerate a company that will not report information correctly. It is against the law. I will get a lawyer should this not be rectified.

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 2025-07-21 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: CarMax, Inc.
State: TX

Complaint narrative:
Carmax Auto Financial falsely reported on all of my credit reports ( XXXX, XXXX, XXXX ) that I was XXXX  days late which I was not. 
This account has been reported with inconsistent and inaccurate dates across the credit bureaus : - It initially showed a delinquency in XX/XX/year>, - Then was updated to XX/XX/year> after a dispute, - Yet no consistent or verifiable timeline has been confirmed. 

This inconsistency violates FCRA 607 ( b ), which requires all data furnished to the credit bureaus to be both accurate and complete. Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), I am exercising my right to request a reinvestigation of this item. 

I requested that the credit bureaus that : XXXX. Provide a copy of the Method of Verification used to confirm the accuracy of the current late payment reporting. 
XXXX. Supply the name, contact information, and documentation from the data furnisher ( CarMax Auto Finance ) that was used to verify this entry. 
XXXX. Delete this derogatory item from my report if accurate ; complete verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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