vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I submitted formal written disputes to the credit reporting agencies regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports. These include charge-offs, collections, late payments, and unauthorized hard inquiries. I provided identification, proof of address, and detailed dispute letters.

Despite providing complete documentation, the credit bureaus have continued to report information that is inaccurate, not fully verified, or improperly validated. Several of the disputed accounts contain incorrect payment histories, inconsistent dates, and missing documentation. Some items were verified without the credit bureaus providing any proof or method of verification, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

In addition, certain student loan late payments were reported during periods covered by the federal CARES Act protections, during which federal servicers were prohibited from reporting delinquencies. Reporting late payments during that period violates both federal law and FCRA accuracy requirements ( FCRA 607 ( b ) ).

Several hard inquiries also appear on my reports without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). I requested verification, but no documentation or signed application has been provided.

I am asking the CFPB to require the credit bureaus to : 1. Conduct a complete and lawful reinvestigation of all disputed items, 2. Provide documentation used to verify the accuracy of each item, and 3. Permanently delete any information that can not be fully verified according to the requirements of FCRA 611 ( a ) ( 5 ) ( A ).

This inaccurate and unverified reporting has resulted in repeated denials for housing and has caused significant harm. I am requesting CFPB intervention to ensure full legal compliance and correction of my consumer reports.

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 2025-12-02 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: VA

Complaint narrative:
I submitted formal written disputes to the credit reporting agencies regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports. These include charge-offs, collections, late payments, and unauthorized hard inquiries. I provided identification, proof of address, and detailed dispute letters.

Despite providing complete documentation, the credit bureaus have continued to report information that is inaccurate, not fully verified, or improperly validated. Several of the disputed accounts contain incorrect payment histories, inconsistent dates, and missing documentation. Some items were verified without the credit bureaus providing any proof or method of verification, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

In addition, certain student loan late payments were reported during periods covered by the federal CARES Act protections, during which federal servicers were prohibited from reporting delinquencies. Reporting late payments during that period violates both federal law and FCRA accuracy requirements ( FCRA 607 ( b ) ).

Several hard inquiries also appear on my reports without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). I requested verification, but no documentation or signed application has been provided.

I am asking the CFPB to require the credit bureaus to : 1. Conduct a complete and lawful reinvestigation of all disputed items, 2. Provide documentation used to verify the accuracy of each item, and 3. Permanently delete any information that can not be fully verified according to the requirements of FCRA 611 ( a ) ( 5 ) ( A ).

This inaccurate and unverified reporting has resulted in repeated denials for housing and has caused significant harm. I am requesting CFPB intervention to ensure full legal compliance and correction of my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This account was opened through fraud, and I request investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: AZ

Complaint narrative:
Issue Type : Auto Loan Fraud / Contract Dispute / Refusal to Honor Holder Rule Summary : My auto loan who is with First investors now XXXX with Stellantis Financial is tied to a fraudulent vehicle sale by XXXX XXXX. XXXXtellantis has been notified multiple times with extensive documentation, including : XXXX accident confirmation Enterprise accident repair records Evidence the dealer falsified or added post-sale XXXX entries Proof of false service charges Despite this, Stellantis refuses to pause collection or acknowledge the FTC Holder Rule. Their response was that they will continue ordinary business operations. 

Why Stellantis is liable : FTC Holder Rule : lenders are subject to claims and defenses arising from the sellers misconduct.

The contract was induced by misrepresentation and nondisclosure.

Stellantis is continuing to collect on a loan that is tied to a fraudulent transaction. 

Requested Relief : Pause collections Prevent negative credit reporting Require Stellantis to comply with the Holder Rule Require review of the fraudulent underlying transaction Consider Recission

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 2025-12-02 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: MD

Complaint narrative:
I am formally disputing the accuracy and legitimacy of the accounts and inquiries listed below. With the ongoing nationwide data breaches affecting major consumer reporting agencies, it is possible that my personal information has been compromised, resulting in erroneous reporting, mixed-file errors, or unverified data on my Equifax credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, Equifax must maintain the maximum possible accuracy of all consumer information, conduct a reasonable reinvestigation of any disputed items, remove or block any data that can not be fully verified, and provide documentation proving the original furnisher, the permissible purpose, and the accuracy of each disputed item. 
Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$660.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and therefore do not meet the FCRA 604 requirements for permissible purpose. They must be removed immediately.

If Equifax can not fully verify each disputed item with complete doc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXXXXXX XXXX Balance {$10000.00}, XXXX XXXX  Balance {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and unverifiable. XXXX XXXX has not provided full validation, including : Signed contract Complete billing history Proof of ownership Under FCRA 611, if they can not verify this debt, it must be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
This account is tied to identity fraud, and I ask for correction.

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 2025-12-02 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXold me a defective bed, refused to replace it, and stopped all communication. 
Goldman Sachs mishandled my dispute for two years and withdrew the disputed amount from my bank account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-12-02 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: CA

Complaint narrative:
The record fails to convey a correct and complete account of my financial behavior. I respectfully request review and adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
These inaccurate late payments have not been removed at all, even after multiple browser refreshes, and I am incredibly frustrated. I want the documents I sent to be investigated right away because I can not keep dealing with this ongoing stress.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I have a personal line of credit with Advance Financial 24/7. The original principal balance is {$3700.00} and the payoff amount is now {$4100.00} due to high interest charges. My minimum payment is {$300.00}, but the balance does not decrease in any meaningful way because of the interest structure. 

I contacted the company several times and requested information about hardship relief options, interest freeze, interest reduction, settlement offers, fixed payment plans, or any kind of loan modification. I explained that the current interest charges are creating a financial burden and making it difficult to pay down the principal. 

The company representatives repeatedly told me that no hardship programs or modification options exist at all, and that they could not provide any alternative payment plan or interest relief. They also refused to provide any written confirmation of their refusal, despite my request. 

I am submitting this complaint to request federal review because the terms of the credit make it extremely difficult to pay off the balance under fair conditions, and the company has denied any form of assistance even though I am attempting to avoid delinquency and resolve the account responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
Got behind on my payment due to medical reasons an just havent been back to work because of it. They call two times a day on this. Send text message I dont have the funds or I would pay it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Was contacted by email from XXXX  debt collection XX/XX/year>. Emailed them and sent letter same day stating they had not provided me with details, to which they sent some info via XXXX, recvd. XX/XX/year>. I have received an additional 9 correspondences from them, the last one dated XX/XX/year> that I recvd. on XX/XX/year>. All correspondences have the exact same information ( I attached one of the 9 ). I sent them ( email and XXXX ) a dispute letter dated XX/XX/year> based on the CFPB sample dispute letter with some additional questions ( attached ), I also copied CFPB. They have not responded answering any of the questions from that inquiry, but continue to send the same document repeatedly. 
This debt seems to be from TJMax credit card and Synchrony Bank ( who I think sent to debt collection - see letter from 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 2025-12-02 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: Central Research Inc
State: OR

Complaint narrative:
My federal student loan servicer, CRI ( Central Research , Inc ), has reported inaccurate late payments to the credit bureaus due to a servicing error. CRI has refused to correct the issue even after I provided proof and requested an investigation. I was enrolled as a full-time student through XX/XX/XXXX. My loans should have remained in in-school deferment until my graduation date, with the standard 6-month grace period afterward. 
In XX/XX/XXXX, CRI incorrectly removed my loans from deferment and began reporting payment due dates. When I noticed this, I contacted CRI immediately by phone. A representative acknowledged the situation and told me that a forbearance would be applied to prevent delinquency while the situation was corrected. Later, my account was reported as 90 days late to the credit bureaus. This error dropped my credit score by almost XXXX points. When I contacted CRI again, they admitted verbally that the forbearance was not properly applied, and that this was a servicer mistake. I was instructed to dispute the report with the credit bureaus, but the dispute was not resolved because CRI did not provide supporting information. After several unhelpful phone calls, I sent an email to CRI on XX/XX/XXXX explaining the situation and requesting they review phone records. After no response I sent a written dispute to CRI containing all of the documentation attached on XX/XX/XXXX. On XX/XX/XXXX XXXX responded for the first time by email stating that they made no adjustments to my credit file because the credit reporting is valid and accurate. The delinquency stems directly from CRI 's administrative failure to apply an agreed upon forbearance. This is not valid or accurate reporting under the Fair Credit Reporting Act because it represents a servicing error, not a missed payment. A fair resolution is the removal of the inaccurate late payment reporting and the correction of my credit reports with all credit bureaus. I am attaching proof of school enrollment, my written dispute, and CRIs email denying the correction. I am requesting CFPB assistance in rectifying this situation.

Company response to consumer: Closed with explanation