vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I relocated from XXXX XXXX XXXX in XXXX. Best Egg is the lienholder on my XXXX XXXX XXXX XXXX. For over one year, Best Egg has failed to properly release or transmit the vehicle title to the XXXX Department of Revenue, which is required to renew my vehicle registration. 

XXXX MVD and my county tag office have confirmed that they have not received the title or any electronic lien release from Best Egg. Best Egg repeatedly states that the title was sent or that a duplicate was requested, but they have provided no proof of electronic lien release or tracking.

Because of this failure, my registration has now expired. I am being forced to spend about {$400.00} per week in transportation to work and to get my child to school. This is causing financial hardship. 

XXXX MVD has also attempted to contact Best Egg for over a year without response.

I am requesting CFPB assistance in requiring Best Egg to : 1 ) Confirm the exact status and location of the title, 2 ) Transmit the lien release or duplicate title directly to the XXXX  MVD Title Unit, 3 ) Provide written confirmation of transmission. 

I have met all loan obligations. Best Egg has not fulfilled its legal duty as lienholder to allow the vehicle to be lawfully registered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
No late payment allowed. Late payments are transactions and transactions are not permitted. 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
No late payment allowed. Late payments are transactions and transactions are not permitted. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX- Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX 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 2025-11-08 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
am submitting this complaint due to ongoing violations of federal consumer laws by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts are being reported inaccurately on my credit file : Imagine Card ending in XXXX XXXX XXXX XXXX ending in XXXX These accounts contain incorrect Date of First Delinquency ( DOFD ), inaccurate balances, and missing validation. Despite disputing the accounts, no furnisher has provided proof of the original debt, signed contract, full payment history, or confirmation of the true DOFD, as required by law. 

Legal Violations Include : 15 U.S.C. 1681i ( FCRA ) failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681s-2 ( b ) failure by the furnisher to verify the debt and correct inaccurate reporting 15 U.S.C. 1666 & 1666b ( FCBA ) failure to investigate billing errors and provide documentation Continued reporting of unverified and inaccurate information causing consumer harm Requested Documentation That Was Never Provided : Proof of debt ownership Original signed cardholder agreement Full billing history and payment ledger Verification of the true DOFD Proof the charges and amounts are accurate Consumer Harm Caused : Credit score damage Inability to obtain fair lending Emotional and financial stress Incorrect negative reporting without verification Resolution Requested : 1. Immediate deletion or correction of inaccurate reporting 2. Verified documentation proving the debt and correct DOFD 3. Cease reporting to all credit bureaus until verification is completed 4. Written response confirming resolution These companies have failed to comply with federal law and continue to report unverifiable and inaccurate information. I request the CFPB investigate and require corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Byrider Franchising, LLC
State: CT

Complaint narrative:
Supposed to be XXXX and on it after the payout of a total car accident and the account was closed due to that now the balance has increased drastically, and they have been reporting that my balance has been increasing all these months which is impossible was in deficiency balance. account was closed into a total payout. Yes I did owe a balance they do not want to provide provide me the information with all the information or statement regarding the vehicle. I have multiple times now I have stopped. The company has continued to report that the balance is increasing, which is fraud. Its impossible after the account was closed due to the no paperwork has been provided. I have asked supposedly they had sent to a correction they dont have any information in the balances are incorrect the timing incorrect, and they never reported back with any such statement of what they got paid out in the amount of currect balance of what the car really works at this time. The company has recording information in the news. They are not providing me actual information regarding it. I want it completely removed or a credit or action if you want to because Im still getting charged. which has increased the balance drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

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

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

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

Harassment under 15 USC 1692d ( Section 806 ).

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NV

Complaint narrative:
Complaint Summary : Radius Global Solutions is reporting a derogatory collection account to multiple credit reporting agencies without providing any validation of the alleged debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. I have formally disputed and requested validation, but the company has failed to provide any documentation proving the debts legitimacy or my obligation to pay it. 
Despite my dispute, Radius Global Solutions continues to furnish unverified information to Experian and TransUnion, which is a direct violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers must verify disputed information or cease reporting it.

Their continued reporting of this unvalidated account has caused harm to my credit standing and reputation. This conduct constitutes willful and negligent noncompliance with both the FCRA ( 1681n, 1681o ) and the FDCPA ( 1692e, 1692f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have told this company several times that I did not take out another loan as you can see on my license. It is not the address thats listed that was used. That is my twin sister. I have already filed a police report. I have already submitted proof and they keep putting this on my credit. I did not give her permission to reopen any loans she was staying with me and clearly she has told everyone information and for trying to be me. I am not gon na pay on the loan that I did not open. I want the loan removed for my credit immediately as you can see when I did have a loan I paid on my loan and I paid it off I did not reopen anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
b'I am disputing multiple late fees and minimum interest charges applied to my XXXX/Comenity credit card account. I made payments, and Comenity previously refunded one late fee on XXXX XXXX  which indicates the issue was recognized. However, additional late fees of XXXX XXXX and XXXX  were charged afterward, along with recurring minimum interest charges.\n\nThis appears to be fee stacking and has created an unjust financial burden. I am requesting that the Comenity Executive Resolutions Team review my account for courtesy removal of these late fees, reversal of associated interest, and correction of the balance.\n\nI have already spoken with customer service and a supervisor, who stated they could not assist further. I am now requesting a corporate-level review.\n\nThank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital that I do not owe to them. I have not done business with them and I did not do business with the company they are stating they represent. They have sent a harassing email and letter and are making threats to garnish my wages and affect my credit report. I understand that they have been sued by the Federal Trade Commission for unfair collections practices and yet they continue to harass and threaten and stated that would charge me if they needed to provide any proof of the debt. That I had to acknowledge the debt in order for them to assist however, the debt is not mine. I believe I may have been a victim of fraud if this debt has my name in any way affiliated with it. Account number JCSXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX i was victim to a check kiting scam. The fraudulent actor sent me a check via email pretending to contract my services as a business owner operating in music and live performance. The check was out on hold, and eventually returned and I paid a fee for the return. I thought nothing of it at first, and after talking to a specialist support agent via the Bank of America mobile app, I figured the issue was resolved with the check being returned. The next day I realized my card didnt work and I couldnt withdraw money from the ATM. I also couldnt log in to the user portal on the mobile app and my login ID had been disconnected from my business checking account. I made a new login and linked to my apparently closed business checking account so that I could access the support chat function and ask what happened. I was directed to contact the fraud department for more info, which I did. I called and told them my experience, and they said that BofA unilaterally decided to close my account due to the bad check deposit. 

I was distraught since I was the victim in this circumstance, and now I was losing access to over {$2000.00} and would have to wait for this money to be returned via cashiers check on an indeterminate timeline. This completely upended my business operation and I feel blindsided that my account was closed without any email correspondence, warning, or explanation. I never even got to interact with the fraud department before they decided to close my account, even tho I contact support immediately after I was scammed and told them precisely what had occurred and how I had been victimized. Id never had a problem with BofA before, and even had successfully resolved some fraudulent transactions only a few months prior in 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 monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I found this lady on tik tok who has a hair braiding account so booked an appointment with her to come in to do my hair today turns out shes a scam she blocked me everywhere and didnt show to do my hair I Zelle her 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