vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Velocity Portfolio Group
State: DC

Complaint narrative:
On this previous CFPB report # XXXXXXXX XXXX DID NOT DELETE THE FRAUD ACCOUNT LIKE THEY WERE SUPPOSED TO. 
XXXX still has the account on my credit and didn't Delete/Remove it as directed to and the Original Creditor name is BLANK on my report and displays a BALANCE OF {$0.00}. 


On this date : Company responded ( XXXX XXXX XXXX CKS Prime Financial ) STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response CKS Prime Investments , LLC ( CKS Prime ) acknowledges receipt of the consumers complaint. CKS Prime purchased this account in good faith and for value. CKS Prime has not received any prior requests for validation or fraud documents. In a gesture of good faith, CKS Prime has made the decision to close this account and cease reporting. We remind the consumer that it can take between 30 and 60 days for the credit reporting agencies to update the credit report. Should the consumer continue to have further questions or concerns we invite them to contact us to discuss the matter further. 


XXXXXXXX still has the account on my credit and didn't Delete/Remove it as directed to and the Original Creditor name is BLANK on my report and displays a BALANCE OF {$0.00}. 


Here is the account still listed : XXXX  OVERVIEW Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type UNSECURED Original Creditor Name - Months Reviewed XXXX Activity Designator TRANSFER_OR_SOLD Terms Frequency MONTHLY Term Duration 61 MONTHS Purchased From - Sold To CKS FINANCIALCKS FINANCIALCKS BALANCE AND AMOUNTS Balance {$0.00} Credit Limit - High Credit - Available Credit - ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rock Holdings Inc.
State: FL

Complaint narrative:
On or around XX/XX/year>, I signed a cash-out refinance mortgage document along with co-signer XXXX, which listed consideration in the amount of {$210000.00}. The mortgage was recorded on XX/XX/year>. In response to a prior complaint, the company claimed that funds were disbursed in accordance with a Closing Disclosure. However, no such disclosure has been provided to me or submitted to the CFPB for review. 

To date, I or XXXX have not received the lawful consideration of {$210000.00}. The company has failed to provide any documentation showing who received the funds, into what account they were disbursed, and whether they were lawfully delivered in accordance with applicable law. 

This failure violates several legal standards, including : Restatement ( Second ) of Contracts 17 a valid contract requires mutual assent and consideration ; UCC 3-303 ( a ) an instrument must be issued for value ; UCC 9-203 ( b ) ( 1 ) and Florida Statute 679.2031 a security interest is not enforceable without value having been given ; Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) failure to provide the Closing Disclosure is a violation of federal disclosure requirements. 
The lack of lawful consideration and refusal to disclose disbursement records raises serious concerns of constructive fraud, unjust enrichment, and failure of consideration. I request CFPB oversight to compel full disclosure and legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the negative items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, TransUnion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. These denials has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the negative items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, TransUnion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. These denials has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: Chime Financial Inc
State: PA

Complaint narrative:
I have a {$74.00} balance reported by Chime on my credit report. I contacted Chime to pay this balance, but they informed me that they can not accept payment and will not update or remove the item from my credit report. This is affecting my credit score, and I believe it's unfair to report a debt that I am willing to pay but am not allowed to. I am requesting that this item be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: LA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$49000.00} Inquiries XXXX XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date XXXX XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/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 2025-06-04 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: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, Equifax , & Transunion has failed to investigate : XXXX XXXX has continued to furnish derogatory personal non-public account information on my consumer report to third parties, and consumer reporting agencies including ( Equifax, Transunion, and Experian etc ). XXXX XXXX has failed to deliver proper Validation of a collection account, after I requested Validation of the alleged debt via certified mail around XXXXXXXX XXXX. I never received the required Validation documents. According to the IRS when a creditor cancels debt, they notify the IRS and deliver a 1099-C to the consumer. Even if the consumer has not received a 1099C, the canceled recourse debt is filed on a consumers tax return as ordinary income. I have attached the portion of my tax return where I have filed the amount of {$6700.00} as ordinary income from debt cancellation of the original creditor ( XXXX XXXX ). The alleged amount which XXXX XXXX is furnishing to my consumer report is {$3100.00} which is a discrepancy. Experian has failed to do a proper investigation as well. I do not owe XXXX XXXX any amount. They are non-compliant with my demands to permanently remove this collection account from my consumer report. They may be also considered participating in tax fraud. Ordinary income is excluded from a consumer report. XXXX XXXX is affecting my mode of living and my ability to obtain credit. Thanks for your attention to this matter!

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 2025-06-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
IM AN XXXX XXXX MY SSN IS XXXX MY MOTHER IS MY PAYEE FOR MY XXXX  CHECK WHICH GOES TO XXXX XXXX  AND I NEED HER REMOVED FROM ANY RIGHTS TO MY MONEY AS THE XXXX WAS CORRUPT BY CONVINCING ME AROUND PEOPLE I CAN'T TRUST WHO ATTEMPTED MY LIFE WITHOUT IMPLICATIONS AND THE XXXX AND XXXX XXXX INCIDENTS OF XXXX I HAVE LITTLE ACCESS AND I NEED ARRESTS MADE IN A JEALOUS ENVIRONMENT YOU NEED TO GO AWAY AND REPENT SIN AGAINST ME I WANT MY LEGAL! AND ETHICAL RIGHT TO INDEPENDENT WEALTH AND I WILL REAPPLY FOR A FEMALE LEGAL PARTNER TO GET IT VERBAITUM THANKS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX  XXXX. ) for continued inaccurate, deceptive, and noncompliant credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data formatting guidelines. 

Critical Errors & Legal Violations : False High Balance on Secured Card My secured XXXX card had a {$250.00} credit limit, yet it is now showing a {$430.00} high balance on my TransUnion report. 

This is not only factually incorrect, but also an alarming sign of data manipulation. A secured card can not exceed its deposit limit unless due to fees or mishandled reporting which were never disclosed or consented to. 

FCRA 1681e ( b ) Failure to Ensure Maximum Accuracy Reporting a high balance 75 % over the original credit limit constitutes gross negligence. It unfairly skews my credit utilization and damages my FICO scores. 

XXXX XXXX Noncompliance Contradictory Status Codes The account is simultaneously coded as : Closed Charged Off/Collection Past Due : {$180.00} Balance Owed : {$180.00} This directly violates XXXX XXXX protocol, which prohibits simultaneous charge-off and past due statuses on a closed tradeline. This inconsistency inflates derogatory scoring metrics unlawfully. 

1099-C Not Issued for Charged-Off Debt Per IRS regulations, any charged-off account exceeding {$600.00} requires the creditor to issue a Form 1099-C to the consumer.

I have never received a 1099-C for this tradeline. If the debt was never officially canceled, then continued reporting as charged off is fraudulent and violates FCRA 623 ( a ) ( 5 ).

FCRA 605 Obsolete Debt The original date of delinquency appears to be over four years old, and no recent payment activity has occurred. 

This debt is either obsolete or ripe for deletion if the creditor can not validate it with full documentation, including a signed contract and itemized billing history. 

No Reporting to XXXX XXXX XXXX  The account only appears on TransUnion, which violates XXXX XXXX consistency requirements and reflects inconsistent furnisher procedures.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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