vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
Equifaxs Failure to Correct Inaccurate Information in Violation of the FCRA Account # XXXX XXXX XXXX  I am submitting this complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the accuracy and correction of information on my credit report.

Despite my repeated disputes, Equifax continues to provide only generic updated responses without addressing or removing the specific inaccurate information I identified. These responses do not reflect a reasonable investigation as required by law and fail to resolve the inaccuracies. 
Equifaxs latest communication, dated XX/XX/year>, states that they updated the disputed items, yet the reported data remains incorrect and continues to harm my credit profile. By sending repetitive generic responses and leaving inaccurate information on my report, Equifax is : Failing to conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ).

Continuing to report information it knows ( or should know ) is inaccurate, which violates 15 U.S.C. 1681e ( b ).

Wasting my time by providing superficial updates rather than complying with their duty to delete or correct disputed inaccuracies.

I have provided Equifax with all supporting documentation needed to verify my claims. Their refusal to remove or correct the erroneous data is both unlawful and negligent, causing ongoing damage to my creditworthiness.

I am fed up with Equifaxs noncompliance and am now considering filing a lawsuit to protect my rights under the FCRA. I am requesting that the CFPB compel Equifax to : Conduct a proper and complete reinvestigation of the disputed items.

Delete or correct all inaccurate information from my credit file.

Please provide me with a clear, written explanation of their reinvestigation process and the results.

I am attaching copies of my previous disputes, Equifaxs responses, and documentation supporting my claims. 
I expect the CFPB to hold Equifax accountable for failing to meet its obligations under the law. 
XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-07 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle 's numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I discovered two new medical collection accounts from XXXX XXXX XXXX on my credit report that I do not recognize. These are separate from a prior XXXX account that was previously disputed through the CFPB earlier this year. The new accounts are listed as : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX I mailed formal debt validation requests for both accounts on XX/XX/year>, to XXXX official compliance address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Compliance Team Department XXXX XXXX, XXXX, TN XXXX ) using USPS tracking . Despite my timely and complete requests, no validation or supporting documentation has been provided. 

XXXX continues to report both accounts to the credit bureaus without proof that the debts are valid, authorized, or accurate. This conduct violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA 1692g ( b ), 1692e ( 2 ) ( A ), and 1692f ( 1 ) ) and the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681s-2 ( b ) ). 

Key issues include : -No proof of ownership or contract from either medical provider. 

-Reported balances exceed the high credit amount which may indicate improper or unauthorized fees or interest. This discrepancy raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) ( false representation of the amount of debt ) and 1692f ( 1 ) ( collection of unauthorized amounts ).. 

-Missing payment history and conflicting dates of first delinquency. 


As these are medical collections, any validation involving medical data must comply with HIPAA, and XXXX has no consent to access or disclose my medical information. 

XXXX continued reporting of unverifiable medical debts is misleading and damaging to my credit profile. The lack of response demonstrates a clear failure to conduct a lawful investigation or provide adequate validation as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
Statement of the Case This complaint is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against MicroBilt. Your agency continues to report factually false, contradictory, and materially misleading information regarding my accounts. 
Despite proof of {$0.00} balances and closure, your files contain contradictory closure dates, fabricated late payments, inflated balances, and misleading derogatory remarks. Additionally, no Original Purchase Agreement ( OPA ) has been produced for any alleged debt you continue to report. Without a signed OPA showing the lawful chain of ownership, your reporting is unverifiable and unlawful. 
Examples of Inaccuracy XXXX / XXXX XXXX Conflicting closure dates, false late history, derogatory reporting despite {$0.00} balance. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX statuses : Paid by XXXX, but derogatory/charge-off listed elsewhere. 
Note : No Original Purchase Agreement has been provided. 
XXXX  XXXX False late payments and inconsistent balances despite payoff. 
Note : No Original Purchase Agreement has been provided. 
XXXX Reported both Paid/Closed and Charged Off simultaneously. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : No Original Purchase Agreement has been provided.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I applied for a credit increase with XXXX XXXX  on XX/XX/year>. I received a notice that I was declined and they provided a credit score from experian. After receiving an credit report from Experian on XX/XX/year>, I notified XXXX that the information that they are reporting is not correct and I wanted to provide the information I received directly from Experian to see where they got their information from since a hard credit pull was done on my credit and the representative told me that there was no one I could speak to concerning where they got that information from because it was done by an underwriter in the back office and they dont have a way to contact them to confirm the information that was provided to me. She told me to call Experian and dispute the credit pull.

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 2025-10-07 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> 2024

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting this correspondence to formally dispute information reported by Capital One regarding an account. I assert that the reporting and/or charges associated with this account are inaccurate, incomplete, or unverified, and I request that the CFPB take immediate action under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2025-10-07 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
NOT A DUPLICATE * * * * * * * * DO NOT LABEL AS DUPLICATE * * * * * * * * SECOND NOTICE OF REFUSAL TO RESPOND TO QWR * * * * * This is a continuing Qualified Written Request ( QWR ) and Notice of Error dispute under RESPA ( 12 U.S.C. 2605 ( e ) ; 12 C.F.R. 1024 ). Fay Servicing , LLC has repeatedly failed to provide substantive responses to my requests regarding the alleged loan for XXXX XXXX XXXX XXXX, XXXX, IL. Despite more than XXXX QWRs and multiple regulator complaints, Fay continues to sidestep critical issues, including : Loan Number Discrepancies Fay has not provided a crosswalk between the origination loan number, servicing number, investor ID, and MERS MIN. Instead, conflicting numbers appear on different assignments, creating confusion and concealment. Chain of Title / Assignments Fay has failed to produce certified copies of endorsements and transfers. Instead, they rely on a XX/XX/XXXX assignment that contradicts their own prior representation to regulators that the loan was included in XXXX XXXXXXXX. XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) shows the loan could not be assigned into or out of the trust in XXXX. Fay has ignored repeated requests to reconcile this inconsistency. Classification Misrepresentation The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DTI loans. Fay has refused to disclose whether my loan was underwritten as XXXX  ( business-purpose ) XXXX XXXX XXXX XXXXonsumer ). Instead, it is treated inconsistently : as a business-purpose loan in foreclosure filings, and as a consumer loan for IRS tax XXXX under my SSN. {$1.00} XXXX XXXX XXXX XXXX Fay relies on an assignment of my mortgage application for {$1.00}. They have refused to show whether the note and mortgage were included. This creates a break in the chain of title and raises fraud concerns. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which appears inactive/dissolved ) could accept or transfer the alleged loan. This undermines the legitimacy of subsequent assignments. Despite RESPAs requirement for a timely, reasonable investigation and written response, Fays replies either ignore the questions, provide payoff statements only, or recycle boilerplate disclaimers. This constitutes a pattern of non-compliance, ongoing concealment, and misrepresentation of ownership, classification, and chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous of times and reporting discrepancies, my financial institution chime failed to investigate my claims adequately. They informed me that recovery lost funds was impossible in that track in these transactions was unfeasible. The CFPBs finding indicated that chime has not only neglected to protect customers but also has allowed repeated offenders to exploited the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Submitted multiple disputes to Equifax regarding an incorrect " late payment '' on my auto loan with the XXXX XXXX XXXX XXXX XXXXXXXX. I have sent them the email thread of the XXXX attempting to correct the mistake, and the e-oscar document the XXXX submitted to fix the issue. Equifax, for both disputes, confirm that the information is correct, that it was late, instead of verifying it with the XXXX and or the documentation from the XXXX I provided verifying that there was not a late payment and the XXXX made an error. The late payment was for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation