vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
Let me be very clear I never gave this company permission to pull my credit. I did not apply for anything, I did not authorize any inquiry, and there was absolutely no permissible purpose under the Fair Credit Reporting Act for this access. This inquiry is unauthorized and, frankly, fraudulent.

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 2025-05-10 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: NY

Complaint narrative:
What happened? 

I am filing this complaint because Equifax continues to report inaccurate late payments on my mortgage account ending in XXXX, showing 120, 90, 60, and 30 days late for several months in XXXX and XXXX. I formally disputed this reporting in writing on XX/XX/XXXX, but Equifax has failed to provide verification or correction. 

This reporting is inaccurate, misleading, and incomplete, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires that all information on a consumer report be complete, accurate, and verifiable.

Despite my formal dispute, Equifax has not conducted a reasonable reinvestigation or provided any documentation to support the accuracy of these reported late payments. This ongoing reporting continues to misrepresent my payment history, damage my credit, and violate federal law, including 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ).

I am requesting the CFPBs assistance to ensure that Equifax corrects the payment history to show an accurate never late status or removes the account entirely if they can not verify the information with complete and factual evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
I have disputed the collections account from XXXX on my credit file. I have explained to the credit bureaus that the information is false, inaccurate and I have no legal responsibility with the XXXX They continue to validate the information and violate the FCRA by allowing and reporting false information on my credit file.

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 2025-05-10 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: NC

Complaint narrative:
I have disputed the collections account from XXXX on my credit file. I have explained to the credit bureaus that the information is false, inaccurate and I have no legal responsibility with the XXXX They continue to validate the information and violate the FCRA by allowing and reporting false information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit for my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted a formal dispute regarding the accuracy of a tradeline reported by American Express. Their response failed to include any validation or supporting documentation only a generic letter stating the account was in dispute. 

Despite their initial claim to have verified the debt, the tradeline was later removed from my XXXX  credit file after I initiated formal legal proceedings. This stealth removal is not a correction ; it is an implicit admission that the original reporting was inaccurate or unsupported.

American Express violated FCRA 1681s-2 ( b ) by failing to conduct a reasonable investigation. The damage to my credit and emotional distress had already occurred. I am requesting regulatory review of this conduct and confirmation that their handling of the dispute meets compliance standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a debt from XXXX on my credit report, account # XXXX. I have asked them to give me information proving the account is mines and every time I try to dispute they dont allow me to do so. They have an account on my file showing a default date before the account was even opened. The account isnt mines but they reporting inaccurate information also. 

XXXX. The opening date is reporting XXXX XXXX. The delinquent date is XXXX XXXX XXXX was it delinquent in XXXX, and opened in XXXX.. 
No proof of Validation of Debt, Original Contract letter has ever been sent from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
Equifax received my letter yesterday and I just wanted to let you know that I authorized that letter on XX/XX/2025 yall received the letter ( see attached document ) so you can continue to do the investigation. no need to send a stall letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. 

This isnt just a clerical issue its a violation.

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 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received this document in the mail that I still owe {$2800.00} to Newrez, the house is already sold and I paid everything, why are you sending me this document?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
About 2 years ago my car was stolen with my passport. Now Im the victim of identity theft with accounts open up in my name. I have been trying to get the credit bureaus to remove the items but they still have some on my credit file and it is affecting me in a bad way. I will attach the ftc report and the XXXX police report. Accounts that need to be removed at first premier for XXXX, XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX for XXXX. XXXX XXXX for XXXXXXXX XXXX XXXX XXXX  for XXXX, blaze for XXXX. Please remove all inquires including XXXX, trophy of XXXX, ally financial. All of these accounts neeed to removed from Experian, Equifax and Trans Union.

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 2025-05-11 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: MI

Complaint narrative:
I am writing to formally dispute the information related to Experian as it pertains to the recent lawsuit filed by the CFPB. I believe that the information reported is inaccurate and does not reflect my true financial situation. 

As of today, I have not received any legit information indicating that these errors were investigated properly and removed from my credit report. Under the Fair Credit Reporting Act.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am XXXX resident. 
On my XXXX account noticed order on someone else name and delivery address different than mine. 
As payment method was added bank card on my XXXX XXXX account is visible only last 4 digits of card, name and expiry date. 
Account was opened in Wells Fargo bank.Contacted bank to inform about identity theft.Bank asked to provide them full card number or account NR, otherwise they can not help me. 
Contacted XXXX to provide me full card number, but they stated that they can not see or give these details. 
Has not been solved nothing.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
It has been over an year now when my Chase Bank account was closed unexpectedly. I had deposited a third party check in the amount of {$460.00} from my child 's father that he signed over to myself for bill. Chase Bank then put the check on hold and mailed me a letter stating that my account was to be closed out soon. My check was finally released into my Chase account but my account was closed with my money still in it. I have contacted them at least three dozen times only to get the same answer which is pretty much they don't know when but they will mail a check. Which has never happened. It's been close to two years now. And I still don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
Dear XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being.I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by Federal Law. 
recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer dispute, citing " Sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include. 
Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigating results effectively. these allegation highlights systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. i am deeply concerned that my dispute may be mishandle in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I closed on a home with XXXX Mortgage as the lender and XXXX XXXX XXXX as the seller. During the loan process, I was told the original appraisal came in too low to support the sales price. Instead of adjusting the contract price, the builders sales representative ( not a licensed agent ) stated that he would submit comps from another builder. These comps were used to justify a final appraised value of {$320000.00}, which matched the final loan amount. 

XXXX later confirmed that builder-submitted comps were used due to the " complexity '' of the home model. However, the property is not materially unique and standard comps existed in the neighborhood. The final appraisal report was dated XX/XX/year>, but was not provided to me until XX/XX/XXXX, just days before closing. This timing made it impossible to review or contest the valuation. 

After closing, I noticed the homes market value was consistently {$6000.00} {$10000.00} lower than the purchase price, as estimated by both XXXX and XXXX. I believe XXXX Mortgage and XXXX inappropriately influenced the appraisal process, potentially violating appraisal independence standards and consumer protections. 

Ive submitted a full complaint and supporting documentation to the Texas Department XXXX XXXX and Mortgage XXXX as well. I've attached the timeline. The supporting evidence files available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have no knowledge of this account ( Midland Credit Management INC ) and do not recognize it as a valid debt. I am requesting that you verify the accuracy and ownership of this account in compliance with the Fair Credit Reporting Act ( FCRA ), Section 611, which gives consumers the right to dispute inaccurate or unverified information on their credit reports.

In addition, I believe this account may be inaccurately reported, and I am requesting that you conduct a full investigation and provide written verification of the debt, including : The name of the original creditor A copy of any contract or agreement bearing my signature The date of alleged delinquency and account opening Proof that you are legally authorized to collect this debt If you are unable to verify the accuracy of this account within the timeframe allowed by law ( 30 days ), I request that it be promptly removed from my credit reports with all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 
Please respond in writing to confirm the outcome of your investigation. I am keeping a record of this request for my personal files and will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
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\nI am writing to dispute the following information that appears on my XXXX XXXX XXXX XXXX XXXX] consumer reporXXXX XXXX XXXXThe following examples are meant to be helpful, include all disputes that applyXXXX XXXXJefferson Capital SystemXXXX XXXXXXXXStates Closed on XXXX  credit report. Please remove.\nThank you for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a collection account reported on my Equifax credit report by XXXX  on behalf of XXXX XXXX. The account was originally for {$79.00}, assigned on XX/XX/XXXX, and marked as paid in full with a {$0.00} balance as of XX/XX/XXXX. Despite multiple disputes and the account being fully resolved, this paid collection continues to remain on my credit report. 

I have attached a screenshot from Equifax ( dated XX/XX/XXXX ) clearly showing : Creditor : XXXX XXXX XXXX XXXX : XXXX  Original Balance : {$79.00} Paid in Full : Yes Last Payment Date : XX/XX/XXXX Status : Paid Comments : Account previously in dispute now resolved by data furnisher The presence of this paid collection is unfairly damaging my credit profile. Given that the debt has been fully satisfied and reported as paid, and considering that it was previously disputed, I am requesting that this item be removed entirely 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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
This letter is to formally request specific information regarding account number XXXX. I am not disputing the existence of this account, but I am requesting verification of the information you hold. I require the following documentation to ensure the accuracy of your records and to confirm your legal right to collect on this debt : 1. Date of First Delinquency : Please provide the exact date the account first became delinquent.

2. Date of Last Payment : Please provide the exact date of the last payment made on this account.

3. Date of Charge-Off : If the account has been charged off, please provide the exact date of the charge-off.

4. Proof of Ownership/Right to Collect : Provide verifiable documentation demonstrating your legal right to collect on this account. This may include a copy of the original agreement, an assignment of debt, or other legally sufficient evidence.Failure to provide this documentation may be grounds for a dispute under the Fair Debt Collection Practices Act ( FDCPA ). 
5. Account Level Documents Bearing My Signature : Please provide a copy of the original contract or agreement for this account that bears my original signature.This is critical to verifying the terms and conditions of the agreement. 
Failure to provide the requested documentation within [ Number ] days will be considered a violation of the Fair Credit Reporting Act ( FCRA ) a and the Fair Debt Collection Practices Act ( FDCPA ), and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
I requested that TransUnion update and delete some of my information from the credit report, however, they have failed to do so and continue damaging my report, so I am unable to get the loan or credit cards needed. 

I have disputed several items on my credit report, some of the disputes Transunion approved, but yet failed to remove or update them on my credit report. The items are as follows : XXXX XXXX XXXX XXXX {$0.00} owned and appears as a negative item TWICE on my credit report. Please remove it completely, as this was sold to another creditor. 
XXXX XXXX XXXXXXXX shows a {$5000.00} charged-off account ; the debtor to whom this account was sold wasn't able to validate the debt. I disputed this item on XX/XX/year>, and TransUnion denied my dispute and failed to update the correct info on my report. 
XXXX XXXX XXXX XXXX$3600.00} and {$2300.00} disputed on XX/XX/year>, disputed as the creditor sold the debt and was unable to validate it. Dispute results show as approved, but information on the credit report hasn't changed. 
XXXX XXXX XXXX 's collection account shows an outstanding balance Derogatory mark ( collection ) amount of {$510.00}, dispute submitted on XX/XX/year>, results approved, but no changes were made to my credit report. 
These are XXXX negative items that continue ruining my credit. According to the law, if the creditor is unable to validate the debt and I am disputing it, they can't report add it to the credit report. Taking into consideration all the above-mentioned, you must remove these items from my credit report. Please also update this information with other credit reporting agencies.

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