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: 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:
My wife and I have applied for a mortgage for a new home with XXXX Mortgage. 

XXXX Mortgage told us they needed documentation that our prior mortgage was paid in full. 

We provided a signed copy of the notarized satisfaction of mortgage filed in XXXX XXXX in which the home was located. Additionally, we provided a signed settlement statement provided by the title company that made final payment at closing. Also a copy of the final statement from the mortgage company identifying the home address, account number and final payment date. The statement shows paid in full. 

We were then told by XXXX mortgage that Equifax has this home shown as being a write-off or a settlement to the mortgage company. 

This is NOT the case. The loan was delinquent for a while during the XXXX disaster, but 100 % of the principal and interest was paid in full at closing. 

XXXX mortgage told us the write-off or settlement appeared on our credit report in XX/XX/XXXX, a full year after the closing and payoff of the home ( XX/XX/XXXX ) and while this was very odd they should be able to get this straightened out. 

We are now a few weeks past this discovery and our closing date as been extended but XXXX Mortgage has gone silent on communicating what progress if any has been made. 

We had gone through a credit consolidation of our credit cards during the XXXX disaster and we did have write-offs on those but NOT our mortgage. A year after we paid our settled credit card debt, the XXXX XXXX XXXX, XXXX, informed us of an inaccurate credit report with the mortgage company and I filed a dispute with Equifax. 

This was XXXX of XXXX, the same month the erroneous write-off or settlement appeared on our mortgage. This seems to be more than a coincidence and prompted me to file this report. 

Please let me know if you require any of the documentation discussed in this report. 

Thank you. 

XXXX XXXX

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: GA

Complaint narrative:
As of the writing of this complaint, I have already requested twice ( XXXX ) that Equifax update the balance on my XXXX XXXX XXXX XXXX [ ending in XXXX ], which is XXXX ( {$0.00} ). Despite Equifax being able to easily verify that the balance is {$0.00} & despite my having already provided documentary evidence of such XXXX balance, Equifax inexplicably & without reason, cause or basis, continues to report the balance on my XXXX XXXX XXXX XXXX Account as {$41.00} as of XX/XX/year>, which is NOT correct & violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: PA

Complaint narrative:
MRS BPO keeps contacting me regarding a debt owed to XXXX that was already handled via XXXX. I filed a complaint to the FTC when that situation happened and XXXX handled the debt. Now this company, MRS BPO LLC, keeps contacting me via text and call every day to collect a debt that is longer valid as it was disputed through the original company, XXXX. I've already filed 2 disputes that the debt is not mine anymore, but they keep harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed my credit report and noticed there were fraudulent accounts listed on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a credit card account with Capital One XXXX in XX/XX/year>. I have never been able to access my account online. I have called Capital One very month since opening the account to get this problem addressed and fixed. I opened a trouble ticket through the Capital One support number. They closed the trouble ticket shortly thereafter. The explanation I was given was that the login to online access was a known problem and that I had to wait until it fixed. I have called back and spoken with a supervisor and received the same response only with additional rudeness. I am still not able to access my account online. Capital One, conveniently for them, do not provide a way to enter a written complaint. I am at the point of refusing to pay my balance to get their attention. That action would only be detrimental to me with negative credit reports.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am submitting this complaint to dispute two inaccurate collection accounts that are currently appearing on my credit report. These accounts are not mine, and I have no recollection of authorizing or owing the debts listed below : CREDIT MANAGEMENT CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reported Balance : {$2500.00} These accounts appear to be either fraudulent or reported in error. I have not received any verification of these debts despite prior disputes, and they are negatively affecting my credit profile.

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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Went to court and collection agency could not provide proof of ownership.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of the following accounts listed on my Equifax credit report on XX/XX/year>. The accounts below have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) : Accounts in Question : XXXXXXXX XXXX  : Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  : Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX CO Account XXXX : xxx XXXX XXXX XXXX XXXX Account # : xxx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # : xxx XXXX XXXX XXXX BANK SELF XXXX Account XXXX XXXX xx XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX, Account # : XXXX CRB, Account # : xx XXXX These accounts are being reported inaccurately, and/or the information can not be verified. This violates several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681i ( 5 ) : If any disputed item is found to be inaccurate or unverifiable after reinvestigation, it must be promptly deleted or modified and the furnisher notified. 
15 U.S.C. 1681s-2 ( a ) : Furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681b ( a ) ( 1 ) : No one may furnish consumer information unless its for a permissible purpose and reported accurately.

Therefore, I respectfully request that you : 1. Immediately conduct a full reinvestigation into the disputed items.

2. Delete or correct all inaccurate or unverifiable information.

3. Provide me with an updated copy of my credit report showing the results of your reinvestigation. 

Attached are supporting documents relevant to my dispute. I request that you complete your reinvestigation within the 30-day period required by law.

Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to protect my rights under the FCRA.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an educational account opened at XXXX on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and two educational accounts opened at XXXX on XX/XX/XXXX under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX XXXX business card and American Express Surpass individual card. I was approved for the business and they couldn't verify my address for the individual application. I used the same address for the business and my individual application. American Express has the audacity to request a letter from my bank banker with their name and title comfirming my address, mind you I work for a bank and to request this is so antiquated. Why would I waste my time making an appointment with my bank to request a letter with all the technology in place and not to mention my bank statement which I sent to American express has my address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX My second home is located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX we don't have any mail going there since we don't go there enough to grab mail. 

Please get your XXXX together American Express. I've been doing business with yoy for years and currently hold another AX card and you send my statements here monthly. 

There is no reason why my application should be denied. I have a XXXX XXXX XXXX and my husband and I make XXXX combined.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed XXXX -accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I should only have XXXX address reporting as my address that is on my id.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed XXXX -accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I should only have XXXX address reporting as my address that is on my id.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX XXXX, XXXX over 15 years ago., ask for Original bill and date of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc.
State: PA

Complaint narrative:
HireRite reported Criminal and Offense History to prospective employer, XXXX, well in excess of ( Past 7 Year Search ) which caused Complainant, XXXX XXXX XXXX, to not gain employment, causing him harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX based out in Utah to Equifax. I do not recognize this debt and never received documentation validating it, as required by the FDCPA. The debt in the amount of {$2500.00} dated XX/XX/year>. 

This collector has previously been sued in multiple states and fined for operating without proper licenses, including collecting debts and reporting them to credit bureaus. The collector is not licensed in Massachusetts, where I reside. Under Massachusetts law, they are not legally authorized to collect or report this debt. I request that this account be removed from my credit report and the company investigated for unlawful activity. 

I also had this same collection account successfully removed from Experian via dispute due to lack of verification. It is not on TransUnion. 

This collectors reporting to Equifax violates both the FCRA and FDCPA, and I am requesting that the item be deleted and the collector investigated for compliance and licensing violations.

Company public response: Company believes complaint is the result of an isolated error
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief