vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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 submitting my sixth follow-up complaint to formally demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable items appearing on my credit reports with Experian, Equifax, and TransUnion, as these errors are causing substantial financial and personal hardship and misrepresent my credit history. 

The first set of inaccurate reports concerns my XXXX XXXX XXXX XXXX XXXX XXXX  account, which shows a {$0.00} balance yet continues to appear on all three bureaus with inconsistencies regarding late payments and closure status, despite documentation proving it was fully paid and properly closed, violating FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; and FCRA 607 ( b ), 15 U.S.C. 1681e ( b ).

Similarly, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurately reporting a {$0.00} balance on Experian and TransUnion, while XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, reported on Equifax as charge-offs with {$0.00} balances, lack proper documentation or issuance of required 1099-C forms for debts over {$600.00}, violating the same provisions of the FCRA. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion shows a {$1700.00} balance despite previous disputes, continuing to reflect inaccurate and misleading information. 

Despite five prior disputes, none of these items have been removed. I am therefore requesting that Experian, Equifax, and TransUnion immediately and permanently delete the following accounts in their entirety : 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No corrections or adjustments are acceptable ; full deletion is required to comply with federal 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 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
Our mortgage Loan # XXXX with CMG XXXX XXXX was closed and paid off on XX/XX/year> because we sold/closed on our house that day.

CMG XXXX XXXX still withdrew another mortgage payment ( via automatic withdrawal ) on XX/XX/year> from our checking account.

We have called numerous times asking for a refund since XXXX and they keep saying they'll mail it and they don't.

Every time we call they give us a different date and when the day arrives there's nothing on the mail.

We just called again and they gave us another future date.

It feels as if they're just giving us a date with NO intention of paying us back.

Please help us resolve this issue.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I have no relationship with these accounts and request they be deleted within 15 days pursuant to federal 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 2025-12-19 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: GA

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX XXXX XXXX and XXXX XXXX XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. XXXX Social Security number privacy and identity Theft Prevention Act of XXXX. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified these agencies on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to these agencies which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX  ( XXXX  ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agencies that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records. For clarification... me, the consumer does not want any fraud alerts placed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
There are 3 medical  bills that are not my and I have not authorized to be on my account please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-19 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 am submitting my sixth follow-up complaint to formally demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable items appearing on my credit reports with Experian, Equifax, and TransUnion, as these errors are causing substantial financial and personal hardship and misrepresent my credit history. 

The first set of inaccurate reports concerns my XXXX XXXX XXXX XXXX XXXX XXXX  account, which shows a {$0.00} balance yet continues to appear on all three bureaus with inconsistencies regarding late payments and closure status, despite documentation proving it was fully paid and properly closed, violating FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; and FCRA 607 ( b ), 15 U.S.C. 1681e ( b ).

Similarly, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurately reporting a {$0.00} balance on Experian and TransUnion, while XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, reported on Equifax as charge-offs with {$0.00} balances, lack proper documentation or issuance of required 1099-C forms for debts over {$600.00}, violating the same provisions of the FCRA. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion shows a {$1700.00} balance despite previous disputes, continuing to reflect inaccurate and misleading information. 

Despite five prior disputes, none of these items have been removed. I am therefore requesting that Experian, Equifax, and TransUnion immediately and permanently delete the following accounts in their entirety : 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No corrections or adjustments are acceptable ; full deletion is required to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 am submitting my sixth follow-up complaint to formally demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable items appearing on my credit reports with Experian, Equifax, and TransUnion, as these errors are causing substantial financial and personal hardship and misrepresent my credit history. 

The first set of inaccurate reports concerns my XXXX XXXX XXXX XXXX XXXX XXXX  account, which shows a {$0.00} balance yet continues to appear on all three bureaus with inconsistencies regarding late payments and closure status, despite documentation proving it was fully paid and properly closed, violating FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; and FCRA 607 ( b ), 15 U.S.C. 1681e ( b ).

Similarly, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurately reporting a {$0.00} balance on Experian and TransUnion, while XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, reported on Equifax as charge-offs with {$0.00} balances, lack proper documentation or issuance of required 1099-C forms for debts over {$600.00}, violating the same provisions of the FCRA. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion shows a {$1700.00} balance despite previous disputes, continuing to reflect inaccurate and misleading information. 

Despite five prior disputes, none of these items have been removed. I am therefore requesting that Experian, Equifax, and TransUnion immediately and permanently delete the following accounts in their entirety : 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No corrections or adjustments are acceptable ; full deletion is required to comply with federal 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 non-monetary relief
Consumer complaint received 2025-12-19 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I am filing this complaint due to ongoing inaccurate personal credit reporting by FirstBank Puerto Rico and the failure of XXXX  XXXX XXXX XXXX XXXX to properly investigate and correct the issue, in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts being reported are corporate obligations of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed solely as a corporate officer, not as a personal borrower or guarantor. No personal guaranty exists. 

I formally disputed the reporting on XX/XX/year>. FirstBank failed to provide any contractual validation within the XXXX period required by law and later acknowledged investigative failures through its supervisor. Despite this, FirstBank continues to furnish the information as personal debt. 

XXXX  closed its investigation stating the information was verified as accurate but failed to provide any evidence or method of verification, despite my request under 15 U.S.C. 1681i ( a ) ( 7 ). 

I submitted additional written disputes and a comprehensive evidentiary package in XXXX and XX/XX/year>. To date, neither FirstBank nor XXXX  has corrected or deleted the inaccurate reporting. 

This constitutes continued and knowing violations of the FCRA by both the furnisher and the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 have no obligation or affiliation with these accounts and request removal within 15 days in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion LLC. for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, due to its failure to conduct a reasonable reinvestigation of disputed, inaccurate information on my consumer credit report. Despite receiving multiple detailed disputes supported by creditor acknowledgments and corrections, TransUnion has continued to verify and report inaccurate data, causing ongoing financial and reputational harm. 

On prior occasions, I formally disputed several accounts that contained clear reporting errors. These disputes provided TransUnion with more than sufficient information to conduct a lawful reinvestigation. Instead of performing an independent and reasonable investigation, TransUnion relied on automated e-OSCAR responses and blindly accepted furnisher replies without verifying accuracy, which is explicitly prohibited under federal law. Courts have consistently held that credit reporting agencies may not simply parrot information from furnishers when a consumer has raised specific, documented disputes. 

The accounts at issue include XXXX XXXX XXXX, where the furnisher acknowledged reporting errors and confirmed the account required correction ; XXXX XXXX XXXX XXXX, where the creditor admitted statements were sent to an incorrect address and agreed to correct the reporting ; and XXXX XXXX XXXX XXXX, where the account was never late and the creditor approved corrections. Despite these confirmations, TransUnion continues to report inaccurate late payments and other false information, demonstrating a clear failure to comply with its statutory duties. 

TransUnion has now been placed on repeated notice that the information it is reporting is inaccurate. Its continued verification of these accounts without correction constitutes willful and negligent noncompliance with the FCRA. These actions have damaged my credit profile, increased my cost of credit, and interfered with my ability to obtain fair financial opportunities. TransUnions conduct reflects a systemic disregard for consumer rights and federal law. 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.

Complaint narrative:
I maintained a business account with Relay Financial, whose banking partner is XXXX XXXX. 

In XX/XX/year>, Relay requested additional documentation regarding a client invoice in the amount of approximately USD XXXX. I promptly obtained a written confirmation from my client and submitted the requested documentation. Relay confirmed receipt of the documents and indicated that they were sufficient. 

Immediately after submitting the requested confirmation, my account was restricted and subsequently closed without prior notice. No legal allegation, fraud claim, or enforcement action was communicated. 

Since the restriction, I have had no access to my business funds. Despite this, account fees continued to be deducted while the account remained unusable. 

I requested clarification regarding the legal and compliance basis for the restriction, confirmation that all documentation was complete, and a clear timeline for the release of my funds. 

Relay informed me in writing that my funds would be released via wire transfer once the account closure process is completed, with XX/XX/XXXX communicated as the earliest possible release date. XXXX also confirmed that the continued restriction is not due to missing documentation or unresolved compliance issues, but solely due to internal account closure and settlement procedures. 

As of today, my funds remain inaccessible, causing material disruption to lawful business operations. I am requesting regulatory review of whether the continued withholding of settled customer funds during an internal account closure process is appropriate and compliant with applicable banking and consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Product or Service : Debt Collection / Credit Reporting What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting. 

I am requesting a full investigation and a written response explaining the outcome.

Company response to consumer: Closed with explanation