vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
Under federal law I absolutely have the right to raise legal grounds to dispute a charge-off under the Fair Credit Reporting Act ( FCRA ) and possibly contract or debt collection laws if : The underlying debt was paid in full, and The creditor still reported a charge-off What Is a Charge-Off? 

A charge-off is when a creditor marks a debt as unlikely to be collected ( usually after 180 days of non-payment ). It is : Reported as a serious derogatory mark on your credit Still collectible ( doesnt mean the debt disappears ) Often sold to collections or pursued through legal means When Is It Not Lawful to Report a Charge-Off?

A charge-off would be inappropriate or unlawful if : 1. The Debt Was Paid in Full If the creditor received payment in full, it is not permitted to report the account as a charge-off They may report it as Paid in Full or Closed Paid as Agreed Under the FCRA ( 15 USC 1681s-2 ), I can send a written dispute to the furnisher ( creditor ) directly. They must : Investigate Correct the information if its inaccurate If they fail to correct it, I will and can file a complaint with the Consumer Financial Protection Bureau ( CFPB ). Which has been done twice now already!!! If theres financial harm to my credit ; which there is, I will be filing a claim under the FCRA or FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
I formally disputed certain inaccurate information reported by Equifax, but they have failed to respond or provide the results of any investigation. This prolonged silence suggests noncompliance with FCRA rules regarding timely and fair handling of consumer disputes. I have made multiple good-faith efforts with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Velocity Portfolio Group
State: FL

Complaint narrative:
Credit Report Dispute Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Items on My Credit Report To Whom It May Concern : I am writing to formally dispute several inaccurate and/or unrecognized items currently appearing on my credit report. Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) to investigate and correct or delete the following items.Below is a list of accounts that are either inaccurate, not mine, or contain incorrect information : Not My Account / Unrecognized Items : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance Reporting : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditor Agreed to Remove/Delete : - XXXX XXXX XXXX XXXX - XXXXIncorrect Late Payment Reporting : XXXX XXXX XXXX XXXXPlease investigate these accounts and send me the results in writing within the 30-day period allowed under the FCRA. Also, please send me an updated copy of my credit report once the investigation is complete.Ive enclosed a copy of my government-issued ID and a utility bill as proof of identity and address.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-28 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: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
I enrolled in Freedom Debt Relief ( FDR ) in XX/XX/XXXX and included a {$5500.00} debt to XXXX XXXX XXXX XXXX. FDR assigned XXXX XXXX as their litigation partner. I made all scheduled deposits and remained compliant with the program. 

Despite this, I was sued ( XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX I repeatedly contacted XXXX XXXX asking for legal support, prep advice, or representation. None was provided. I attended court alone and lost the case. A garnishment judgment followed, and {$7900.00} has been deducted from my wages {$2300.00} more than the original debt amount.

FDR still charged me {$1300.00} in settlement fees for this account, even though it was never settled. I was then advised to remove the account from my profile, disqualifying it from the Money-Back Guarantee due to FDRs own guidance.

To make matters worse, the day before my court appearance, Freedom Debt Relief mistakenly emailed me another clients settlement information ( XXXX XXXX ), including sensitive financial dataan unacceptable breach of privacy. 


Timeline of Events XX/XX/XXXX Enrolled in FDR ; began {$250.00} deposits, including XXXX XXXX XX/XX/XXXX XXXX XXXX assigned to represent me in litigation XX/XX/XXXX I contacted XXXX seeking court guidance XX/XX/XXXX Told to attend court alone ; no legal prep or representation offered XX/XX/XXXX XXXX sent me another clients ( XXXX XXXX ) account XXXX XX/XX/XXXX Judgment entered ( XXXX XXXX XXXX XXXX, Case # XXXXXXXX XXXX XXXX XXXX XXXX Sent judgment and garnishment paperwork ; no meaningful response Early XXXX Advised to remove XXXX account, voiding refund eligibility XXXX XXXX Garnished ~ {$7900.00} from my wages ; credit dropped to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report as a result of identity theft. I did not open these accounts or authorize these inquiries. In accordance with Section 605B of the FCRA, I request that these items be blocked from my credit report immediately.

Enclosed are my Identity Theft Affidavit and supporting documentation.

Please confirm the removal in writing.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following items on my credit report as a result of identity theft. I did not open these accounts or authorize these inquiries. In accordance with Section 605B of the FCRA, I request that these items be blocked from my credit report immediately.

Enclosed are my Identity Theft Affidavit and supporting documentation.

Please confirm the removal in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Research Inc
State: WI

Complaint narrative:
I contacted central research Inc today around XXXX I asked them why they still have an account in my name with debt when it was determined to be fraudulent. Lady kept telling me some the info doesn't match so she can't give me info. Of course not all doesn't match it's fraudulent. I explained to her I would like it removed just like all three credit bearue removed it cause it was determined to be fraudulent. She put me on hold for awhile tells me can't give me any info cause it went legal of of a sudden. I asked for debt in writing she says she can't cause it's in legal this is ridiculous I dealt with you guys while I was pregnant and now dealing with you guys again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

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. 
-Account name # account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish an 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 info
rmation any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I recently received a copy of credit report and I have noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. The remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I recently received a copy of credit report and I have noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. The remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AZ

Complaint narrative:
The company provided the incorrect email address which was XXXX. I was able to update my correct information after verification of my Identity with an agent named XXXX and regain access to my account through XXXX. 

I informed the agent that I was a past victim of Identity theft in XXXX through XXXX. I have been fighting to regain my fully XXXX since then. I am reporting this as I believe in create healthy digital trails whenever I can as I strongly disapprove of the XXXX and XXXX facilitated XXXX  that are happening all to often around the globe. Injustice stops when the righteous do the next right thing as XXXX knows my XXXX. 

Thank you for your service and support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
My background check has not completed due to the company refusing to take into account any of the information that I have gone out of my way to supply them. They keep looking for court records in XXXX, XXXX XXXX, Florida. This does not exist. This has caused me to miss my original start date of XX/XX/XXXX. If they do not complete it by Wednesday, next week, then I fear that I will lose my job offer. If I lose my job offer or do not get to start by XXXX then I will be unable to make rent or my car payment and become homeless. I have no one to fall back on, no family, no friends. I have been contacting them by email and phone daily from XX/XX/XXXX and despite there being notes on the background report showing this, the research team continues to look for XXXX in XXXX XXXX and getting no records. In fact, the address they're referencing was a place I stayed only a week and a half at, I'm not sure if that even should be considered on the report. None the less, this delay is causing me immense stress as I do not want to be XXXX again, especially when I can't make money for gas or food due to losing this job offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XXXX XXXX said they have forwarded my text which is not my debt to Harris & Harris XXXX Ive never had a bill with him. I disputed it and sent them my lease. They said my lease was not signed. Thats the thats the lease that I have and thats the lease which states the address I live at I live at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief