vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The auto loan account was reported opened on or around XX/XX/year>. I did not initiate, authorize, or sign any valid, binding contract with XXXX or any affiliated dealership. No documentation has been provided to show : - A signed retail installment contract - Verified identity and lawful consent at origination - Legitimate benefit or delivery of a vehicle If this account was opened using misrepresentation, coercion, or identity misuse, it is a direct violation of the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and the XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am submitting this complaint to challenge the accuracy of a bankruptcy filing that has been reported on my credit profile. I have repeatedly requested from the credit bureaus verifiable proof from the U.S. Bankruptcy Court confirming the existence of this alleged filing, including official case numbers, court records, or other government-issued documentation. To date, I have received no such evidence. 

Instead, the credit bureaus appear to be relying on information obtained from an unnamed third-party source. This source has not identified itself, has not provided any documentation, and has not proven it had legal authority or permissible purpose under the law to collect or distribute such sensitive information about me. Neither I nor the Bankruptcy Court have given consent for the release of such information, nor has any signed documentation or official court record been provided. No signatures from me or from any court have been submitted to substantiate this derogatory mark on my report. 

This action constitutes multiple potential violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy. Reporting inaccurate or unverifiable information violates the requirement that consumer reporting agencies must ensure accuracy in the data they furnish.

Section 611 ( a ) ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputed information. Upon my dispute, the credit bureaus were required to conduct a reasonable investigation. Accepting unverified data from an unidentified third party and refusing to produce court-issued evidence does not meet this standard. 

Section 602 ( A ) Failure to protect the consumers right to fair and accurate credit reporting. Allowing unsubstantiated data from unverifiable sources undermines my rights as a consumer under the FCRA.

Section 604 ( 15 U.S.C. 1681b ) There may also be a violation of permissible purpose if the third party that allegedly supplied this bankruptcy information accessed or shared my data without legal grounds or my written consent. 

This erroneous bankruptcy entry has been negatively affecting my credit profile and impeding my ability to secure credit. If the credit bureaus and any associated third parties can not produce official documentation from the U.S. Bankruptcy Court verifying this filingcomplete with filing numbers and signaturesit must be considered inaccurate and removed in accordance with federal law.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am submitting this complaint to challenge the accuracy of a bankruptcy filing that has been reported on my credit profile. I have repeatedly requested from the credit bureaus verifiable proof from the U.S. Bankruptcy Court confirming the existence of this alleged filing, including official case numbers, court records, or other government-issued documentation. To date, I have received no such evidence. 

Instead, the credit bureaus appear to be relying on information obtained from an unnamed third-party source. This source has not identified itself, has not provided any documentation, and has not proven it had legal authority or permissible purpose under the law to collect or distribute such sensitive information about me. Neither I nor the Bankruptcy Court have given consent for the release of such information, nor has any signed documentation or official court record been provided. No signatures from me or from any court have been submitted to substantiate this derogatory mark on my report. 

This action constitutes multiple potential violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy. Reporting inaccurate or unverifiable information violates the requirement that consumer reporting agencies must ensure accuracy in the data they furnish.

Section 611 ( a ) ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputed information. Upon my dispute, the credit bureaus were required to conduct a reasonable investigation. Accepting unverified data from an unidentified third party and refusing to produce court-issued evidence does not meet this standard. 

Section 602 ( A ) Failure to protect the consumers right to fair and accurate credit reporting. Allowing unsubstantiated data from unverifiable sources undermines my rights as a consumer under the FCRA.

Section 604 ( 15 U.S.C. 1681b ) There may also be a violation of permissible purpose if the third party that allegedly supplied this bankruptcy information accessed or shared my data without legal grounds or my written consent. 

This erroneous bankruptcy entry has been negatively affecting my credit profile and impeding my ability to secure credit. If the credit bureaus and any associated third parties can not produce official documentation from the U.S. Bankruptcy Court verifying this filingcomplete with filing numbers and signaturesit must be considered inaccurate and removed in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dismissed Chapter XXXX Bankruptcy Subject : Request for Removal of Dismissed Chapter XXXX Bankruptcy from Credit Report To Whom It May Concern, I am writing to formally request the removal of a dismissed Chapter XXXX bankruptcy from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX. 

The public record in question : Type : Chapter XXXX Bankruptcy ( Dismissed ) Court : XXXX Bankruptcy XXXX XXXX Alabama Case/File Date : XX/XX/XXXX Dismissed/Closed : XX/XX/XXXX Estimated Removal Date : XX/XX/XXXX File Number : XXXX This bankruptcy was dismissed, not completed. According to FCRA guidelines, dismissed bankruptcies are not evidence of insolvency or wrongdoing and may be challenged for earlier removal, especially if the reporting furnishes outdated or incomplete information. 

I am requesting : XXXX. Documentation verifying the accuracy of this public record. 
XXXX. If no verifiable source is provided, the record should be deleted. 

Thank you for addressing this matter swiftly and in compliance with federal credit reporting laws. 

Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX AL 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dismissed Chapter XXXX Bankruptcy Subject : Request for Removal of Dismissed Chapter XXXX Bankruptcy from Credit Report To Whom It May Concern, I am writing to formally request the removal of a dismissed Chapter XXXX bankruptcy from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX. 

The public record in question : Type : Chapter XXXX Bankruptcy ( Dismissed ) Court : XXXX Bankruptcy XXXX XXXX Alabama Case/File Date : XX/XX/XXXX Dismissed/Closed : XX/XX/XXXX Estimated Removal Date : XX/XX/XXXX File Number : XXXX This bankruptcy was dismissed, not completed. According to FCRA guidelines, dismissed bankruptcies are not evidence of insolvency or wrongdoing and may be challenged for earlier removal, especially if the reporting furnishes outdated or incomplete information. 

I am requesting : XXXX. Documentation verifying the accuracy of this public record. 
XXXX. If no verifiable source is provided, the record should be deleted. 

Thank you for addressing this matter swiftly and in compliance with federal credit reporting laws. 

Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion due to their continued reporting of inaccurate, incomplete, and unverified information on my credit reports, including but not limited to debts, collections, charge-offs, account status, and different collection agency info. 

Specific Issues : Certain accounts are being reported without accurate details; such as correct balances, dates of delinquency, payment history, account status, account details related to percentage of on time payments made and different collection agency addresses. 

Several items listed are incomplete, missing critical identifying information, account numbers, or accurate creditor details. 

I have reason to believe that some of these accounts are unverified or unverifiable, yet they continue to be reported without validation. 

Disputed items remain on my credit report without proof of a reasonable reinvestigation or any explanation of how these accounts were verified. 

Despite submitting disputes, I have not received sufficient documentation showing how the bureaus verified the accuracy of the information, nor have I been informed of the methods used to validate these accounts. 

Request for Relief : Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB instruct the credit reporting agencies to do the following : 1. Conduct a full reinvestigation of each disputed item. 

2. Provide a detailed explanation of the verification process for each account, including the name of the entity that verified the debt, date and how it was confirmed.

3. Verify the accuracy and completeness of all reported information through original sources.

4. If any account can not be properly verified, either correct or permanently delete it from my credit report. Accounts listed below : XXXX. XXXX XXXX XXXX  Account # XXXX Balance- {$1100.00} XXXX. XXXX XXXX XXXX  Account # XXXX Balance- {$540.00} XXXX. XXXX XXXX XXXX Account # - XXXX Balance- {$1200.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$960.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$920.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$690.00} Ensure that this process is completed within the 30-day timeframe established by the FCRA. 

Please consider this a formal complaint for non-compliance with federal consumer protection laws and request your offices assistance in ensuring my rights are upheld. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion due to their continued reporting of inaccurate, incomplete, and unverified information on my credit reports, including but not limited to debts, collections, charge-offs, account status, and different collection agency info. 

Specific Issues : Certain accounts are being reported without accurate details; such as correct balances, dates of delinquency, payment history, account status, account details related to percentage of on time payments made and different collection agency addresses. 

Several items listed are incomplete, missing critical identifying information, account numbers, or accurate creditor details. 

I have reason to believe that some of these accounts are unverified or unverifiable, yet they continue to be reported without validation. 

Disputed items remain on my credit report without proof of a reasonable reinvestigation or any explanation of how these accounts were verified. 

Despite submitting disputes, I have not received sufficient documentation showing how the bureaus verified the accuracy of the information, nor have I been informed of the methods used to validate these accounts. 

Request for Relief : Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB instruct the credit reporting agencies to do the following : 1. Conduct a full reinvestigation of each disputed item. 

2. Provide a detailed explanation of the verification process for each account, including the name of the entity that verified the debt, date and how it was confirmed.

3. Verify the accuracy and completeness of all reported information through original sources.

4. If any account can not be properly verified, either correct or permanently delete it from my credit report. Accounts listed below : XXXX. XXXX XXXX XXXX  Account # XXXX Balance- {$1100.00} XXXX. XXXX XXXX XXXX  Account # XXXX Balance- {$540.00} XXXX. XXXX XXXX XXXX Account # - XXXX Balance- {$1200.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$960.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$920.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$690.00} Ensure that this process is completed within the 30-day timeframe established by the FCRA. 

Please consider this a formal complaint for non-compliance with federal consumer protection laws and request your offices assistance in ensuring my rights are upheld. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/2025

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 2025-06-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccurate and unauthorized accounts /information reporting to my credit report. These remarks have been detrimental to my life and my credit and my credit health,

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 2025-06-01 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: PA

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccurate and unauthorized accounts /information reporting to my credit report. These remarks have been detrimental to my life and my credit and my credit health,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
On 3 Loans ( XXXX, XXXX and XXXX ), Mr. Cooper loan servicing charged late fee 's based on the entire principal balance, rather than the late monthly payment. In addition, they charged again for the same late payment on subsequent months which violates Federal Trade Commission Regulation AA ( 12, C.F. R & 227.15 ) which states late fees can not be charged for the same late payment on a recurring basis. As the attached statements show, Mr. Cooper charges two and three times each month for an overcharged late fee already accessed. Again, they are calculating on the entire principal balance. At the top right of the mortgage statement it indicates the late charge is {$44.00}. Mr. Cooper is charging {$380.00} - {$1100.00} extra EACH month in extra fee 's. 

My login to my statements is missing numerous statements. Payments that were sent to include extra principal payments were put into a suspense account and disappeared and never went to principal or returned to me. On the statements I do have, it shows year to date partial payment in suspense, and the next month the amount is gone. 

On loan number XXXX, Mr. Cooper provided a payoff of {$120000.00}. The settlement agent erroneously remitted {$120000.00}. The difference was never returned. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 FTC STATES THAT COLLECTION COMPANIES ARE ILLEGAL! .. 


PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: OR

Complaint narrative:
I had requested a replacement card a few times due to lost card. I didnt receive a new card once or twice in XXXX and at home in the last 10 months

Company response to consumer: Closed with explanation