vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: KY

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX * * Balance Owed : {$110.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$210.00} XXXX XXXX XXXXXXXX * * Balance Owed : {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Original Creditor AT XXXX XXXX XXXX XXXX  Balance Owed : {$7200.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX, OH XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The atm at a capital one cafe in XXXX XXXX  took {$1900.00} from me than customer service said nothing they can do for 7 to 10 business days. I have pictures of their atm rebooting and witnesses were in the lobby. I took {$2000.00} out the same atm right before to move money from different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the three major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate. 
I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law. 
Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
We were paying our property taxes under the non primary residence rate of 6 %, we rectified this with XXXX XXXX. We applied for and were accepted for primary residence and had the rate amended to 4 % and received a corrected tax bill. 
I called our mortgage company to notify them of the incorrect bill they had on record, and that I would be sending an updated one. I faxed the new bill on XX/XX/XXXX to the tax department. This was confirmed to have been received by them. 
The next day ( XX/XX/XXXX ), they paid out our incorrect tax bill. The company claimed that it was placed on auto pay. When they were notified of an erroneous tax amount, the account should have been placed on a hold for analysis. The representative I spoke with claimed that it is not possible to place an escrow account on hold, which is blatantly false.

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 2025-12-04 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 am filing this complaint because my federal student loan servicer/guarantor has illegally furnished my protected educational records to the consumer reporting agencies without my knowledge, authorization, or consent. These entities have knowingly violated FERPA, the Privacy Act of XXXX, and the Fair Credit Reporting Act ( FCRA ) by reporting information they had no legal right to disclose or collect. 

The accounts that were unlawfully furnished are listed below : XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX These student loan records are legally classified as educational records under FERPA. This means they can not be disclosed to any credit reporting agency under any circumstance unless I provide explicit written consent. I have never signed or submitted any document, authorization, consent form, or release that permits my lender, servicer, guarantor, or any third party to share my student loan or financial aid information with any consumer reporting agency. 

The servicer also violated the Privacy Act of XXXX, which strictly prohibits federal agencies and their servicers from disclosing my personal information unless a valid exception applies. No exception exists here. Credit reporting is not an authorized disclosure under FERPA for Title IV financial aid records. 

Despite this, my protected educational data was willfully furnished to XXXX, Equifax, and XXXX, creating an unlawful publication of my educational record and a direct breach of federal privacy laws. 

Because these accounts were furnished without a permissible purpose, the credit bureaus are now reporting accounts that are illegally obtained, illegally furnished, and illegally maintained. This is a violation of : 20 U.S.C. 1232g ( FERPA ) 5 U.S.C. 552a ( Privacy Act of 1974 ) 15 U.S.C. 1681b & 1681c-2 ( FCRA permissible purpose & blocking ) 15 U.S.C. 1681n & 1681o ( civil liability for willful and negligent violations ) I have demanded that the credit bureaus delete these illegally furnished accounts, but they continue reporting them despite being notified of the FERPA and Privacy Act violations. This indicates potential willful noncompliance and intentional disregard of federal law. 

I am requesting that the CFPB take immediate action to investigate : Why my servicer furnished protected FERPA-regulated educational records to credit bureaus without any legal authority. 

Why a federal servicer or guarantor knowingly violated the Privacy Act of XXXX. 

Why these accounts are still being reported despite no permissible purpose for their collection, use, or dissemination. 

The removal of all accounts listed above due to their unlawful disclosure and violation of federal privacy regulations. 

Whether the servicer and bureaus should face sanctions for willful violations of FERPA, the Privacy Act, and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that, pursuant to my rights under the federal Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand an end to all communication with me, my family, friends, and employer regarding the alleged debt referenced above. Please do not contact me at home, at work, on my cell phone, or at any other location, by phone, mail, email, or any other form of communication. The FDCPA, Section 805 ( c ), requires you to cease all further communication after receiving this written notice. The only exceptions are to inform me that : You are terminating your collection efforts. You are invoking specific remedies which are ordinarily invoked by you or your company. You intend to file a lawsuit or pursue a specified legal remedy. 
Any contact other than for these limited purposes will be considered a violation of my rights under the FDCPA, and I will immediately file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state 's Attorney General 's office. I also demand that you provide written verification of the alleged debt, including the name and address of the original creditor and the current amount owed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am filing this formal complaint because multiple inaccurate and unauthorized items are being reported on my credit file. These errors are causing me significant harm, and the credit reporting agencies and furnishers have failed to correct them. 

1. Wrong / Fraudulent Addresses Reported The following addresses are being reported on my credit file, and I have no knowledge of these addresses and have never lived at them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are not mine and must be removed immediately as they indicate possible identity misuse. 

2. Unauthorized Charge-Off / Collection Accounts The following accounts appear on my credit report, and I have no knowledge of these accounts whatsoever. They are inaccurate, unverifiable, and must be deleted : XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$210.00} Status : Charge Off I do not recognize this account. I never opened it. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX High Credit : {$17000.00} Status : Collection I have no knowledge of this account. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1400.00} Status : Collection I do not recognize or owe this debt. 

As required under the FCRA ( 15 USC 1681 ), no unverifiable or inaccurate account may remain on my report. Since I have no knowledge of these accounts, I am requesting their complete deletion.

3. Unauthorized Hard Inquiries The following inquiries were made without my authorization. I never applied for credit with these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604, a hard inquiry requires permissible purpose, which did not exist. I request that these inquiries be removed. 

Requested Action I respectfully request the CFPB to investigate these issues and compel the relevant furnishers and credit bureaus to : Delete all wrong addresses Remove all unauthorized charge-off and collection accounts Remove all unauthorized hard inquiries Provide a written resolution and updated credit report These inaccuracies are severely impacting my credit, employment opportunities, and overall financial stability. 

Thank you for your assistance. I look forward to your prompt response.

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 2025-12-04 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: SC

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 2025-12-04 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: NV

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX-NEVER BEEN LATE You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern at Equifax ( via CFPB Complaint ), I am writing to formally request the immediate removal of an inaccurate and obsolete public record (XX/XX/XXXXXXXX bankruptcy ) that continues to appear on my Equifax credit report as an active public record, despite Equifax having already removed the bankruptcy tradeline itself. 
Equifax has already removed the bankruptcy from the tradeline/account section of my report ( which I acknowledge and appreciate ), but the same bankruptcy continues to be reported in the Public Records section as an active item. This is factually inaccurate, creates a misleading dual reporting of the same event, and continues to severely damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I dispute the companys response. Several important issues were not addressed, and the debt remains inaccurate, incomplete, and invalid under California law. 
1. I moved out in XX/XX/XXXX, yet I did not receive a final move-out statement until XXXX, which violates XX/XX/XXXX Civil Code 1950.5 ( g ) ( 1 ). 
2. The company did not provide an itemized list of deductions within the required 21 days, making any claimed balance forfeited under California law.

3. My co-signers ( XXXX XXXX and XXXX XXXX ) were NEVER contacted within the legally required timeframe. 
4. The charges have changed multiple times and remain unexplained and undocumented.

5. I have not received the ledger the company claims they mailed.

6. I was threatened over the phone that the balance would be placed on my credit if I did not make payment arrangements immediately.

7. I dispute the full balance and request a full investigation. 

I am requesting that CFPB keep this complaint open and require the company to provide : The original XXXX itemized move-out statement Proof it was mailed within 21 days of move-out The full ledger with all charges and payments Proof of co-signer notices Proof the charges are legal, itemized, and supported by receipts Until these documents are provided, this debt must be considered disputed, inaccurate, and uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CFPB COMPLAINT # XXXX PORTFOLIO RECOVERY ASSOCIATES ( PRA ) ACCOUNT # XXXX XXXX XXXX XXXX  Collector : Portfolio Recovery Associates Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX Complaint Summary Portfolio Recovery Associates is reporting a collection account without providing legally required validation. 

Disputed Account Account Number : XXXX Amount : {$630.00} Status : Collection account. {$630.00} past due as of XX/XX/2025. 
Original Creditor : XXXXXXXX XXXX XXXX  Violations Failure to validate ( FDCPA 809 ( b ) ) Reporting unverifiable information ( FCRA 623 ) Failure to perform a reasonable investigation ( FCRA 611 ( a ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid my Target credit card with my bank account on the Target website and the payment posted on date XX/XX/2025 in the amount of {$160.00} and I should have a XXXX balance but my available credit is only {$39.00} so I called the customer service number on the back of the card and the representative on the 1st call told me she couldn't tell me why my credit line has not updated, So a week XXXX I called and asked for an updated on the 2nd call was told we don't have updated and i'm getting off the phone if you don't have anything else to discuss and the rep hung up the phone on me. on the 3rd call I was told that they have to speak to my bank to ensure the payment when through and I told the rep it's been 3 weeks since I made the payment and he said I know i see it right here and he confirmed they recevied they payment but I had to go through additional verification by doing a 3 way calll with my bank on the line or wait unitl XX/XX/XXXX. The issue is still not fixed. 

I'm sick and tired of calling these people from overseas and now I need you guys to get involved because I can't get and clear answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

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 2025-12-04 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: MS

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 non-monetary relief