vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I attempted to request a security freeze on my credit report with Experian. I had just successfully completed signups with XXXX  and XXXX, using my personal information. However, Experian 's website said it was unable to verify my identity, and provided a number for me to call : ( XXXX ) XXXX. I called Experian at this number, and over the phone, I put in my correct information via the automated system, and was asked what I was calling about. I said " verify my identity, '' and the automated service said to perform this action online. I then said, " agent, '' and the automated system said it couldn't help me, and then hung up on me.

I called again, and repeated the process, but this time asking about a dispute, or to file a complaint, and I was hung up on again. I went to the website the automated service was directing me toward : experian.com/help, and I found a second number to call : ( XXXX ) XXXX. I called this number, asked to verify my identity, and I was hung up on again, by the automated service, after it claimed it could not help me with this issue.

I called the first number yet again, and this time I was put in an indefinite holding loop without confirmation of anything.

I was unable to get through to Experian either via the website login process or via two different listed phone numbers, and I was held in an indefinite waiting loop.

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 2025-10-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate and Unauthorized Information on Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal or correction of several inaccurate and unauthorized entries currently listed on my Equifax credit report. These entries are not associated with me, were not authorized by me, and are negatively affecting my credit profile. Please investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Personal Information Incorrect Address : Please remove the following address, which I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : My employer is incorrectly listed as XXXX XXXX. The correct employer name is : XXXX XXXX XXXX XXXX XXXX. Fraudulent or Inaccurate Accounts Not Mine The following accounts are reported under my credit file, but I did not open them. These accounts are not mine and must be removed : XXXX XXXX XXXX  Account ending in XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX 3. Unauthorized Hard Inquiries I did not authorize the following hard inquiries. These credit pulls were made without my consent, and I am requesting their immediate removal : Date Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated or approved by me, and no credit application was made to these companies.

4. Attached Documentation To assist with your investigation, Ive enclosed the following : A copy of my government-issued photo ID A recent utility bill as proof of my current address Please investigate all disputed information and respond with the results within the 30-day timeframe required by the FCRA. If the items can not be verified, they must be removed from my credit report immediately.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a full reinvestigation of all items reported, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and raises serious concerns regarding the integrity, accuracy, and reliability of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview Loan Servicing 's automated phone system DISCONNECTS ME EVERY TIME I call for mortgage forbearance.

WHAT HAPPENED : I lost my job in the XXXX XXXX on XX/XX/year>. I am actively searching for jobs in my professional field but have NO LUCK yet. I have only {$5000.00} left in savings for next month 's payment.

I tried ALL phone options ( operator, tech support, CARES Act ) and get HUNG UP ON REPEATEDLY. The system ONLY connects for paymentshardship callers are BLOCKED. This violates federal servicing rules. 

Loan # : XXXX Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX REQUEST : IMMEDIATE 3-MONTH FORBEARANCE APPROVAL.

Docs ready. CALL ME TODAY.

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 2025-10-20 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: LA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a new card with Capital One, the XXXX XXXX. In routing my bank account I left one XXXX off at the end which initially was my fault. I have been trying to rectify this since XX/XX/XXXX. Each time I do what is told of me I am told another 10 business days ( which is 2 weeks ). On XX/XX/XXXX the Capital One specialist called my bank ( XXXX XXXX ) to verify the correct account, XXXX XXXX will not do this with a third party and said so. I was then advised to submit my XXXX XXXX monthly statement which I did on the XX/XX/XXXX, XXXX XXXX also blocks this. I was then advised to submit a voided check which I did. I was then told it will be 10 business days. After longer than 10 days, on XX/XX/XXXX I was told to pay off the card after I linked the correct account. I did so and was told it will be another 10 days. I have submitted numerous documents, linked the correct accounts and paid off the amount on my card and still this is not enough. I need this rectified as soon as possible and it seems like no one is willing to help. On XX/XX/XXXX I was told it will be another two weeks because they had to call my bank ( XXXX XXXX ) and verify with them, this was already done in the first week of XXXX and clearly not documented since it needed to be done again. This is the third time I have been told this and it is ridiculous as I have done whatever is asked. I am at my wits end and still have no solution. I spoke with the care team and Manager XXXX ( dont know last name ) refused to transfer me further saying it is against policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONALis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Subject : Formal Demand for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ) Fair Debt Collection Practices Act To Whom It May Concern, This correspondence serves as a formal demand for validation of the alleged debt referenced in your recent communication Please be advised that this request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which mandates that a debt collector must cease all collection activities until proper validation and verification of the alleged obligation have been provided to the consumer.

Accordingly, I hereby request the following documentation : 1. Verification of the debt, including a complete accounting of the alleged balance, detailing the original amount, all payments, interest, fees, and any other charges applied.

2. Identification of the original creditor, including name, address, and the original account number.

3. A copy of any written agreement or contract bearing my signature, evidencing that I incurred the debt in question.

4. Proof of assignment or transfer of the debt, demonstrating your agencys legal authority to collect on behalf of the current creditor.

5. A copy of any judgment, if applicable.

Until such time as full validation has been furnished, you are hereby instructed to cease all collection efforts, including but not limited to telephone calls, written correspondence, or the reporting of this account to any consumer credit reporting agency, as such actions may constitute continued collection activity in violation of 15 U.S.C. 1692g ( b ).

Be further advised that any failure to comply with these statutory requirements, or any continued attempt to collect an unverified debt, may constitute a willful violation of the FDCPA, exposing your agency to civil liability under 15 U.S.C. 1692k, including actual damages, statutory damages, costs, and reasonable attorneys fees.

This correspondence is not to be construed as an acknowledgment of the validity of the alleged debt, nor a promise to pay. It is merely a good faith request for information to which I am legally entitled.

Kindly provide your response within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported hard inquiries on my credit file that I did not initiate or authorize. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is related to a firm offer of credit.

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these inquiries without proof of a permissible purpose or documented consentsuch as my signed authorizationis unlawful and must be addressed.

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 2025-10-20 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: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NV

Complaint narrative:
XXXXDear Experian I am writing to formally dispute the accuracy of certain information reported on my creditXXXXreport under Section 605B of the Fair Credit Reporting Act.XXXXThe specific information I am disputing is as follows:XXXXFRAUDULENT 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

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: VA

Complaint narrative:
VANCE & HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE & HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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