vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
In XX/XX/XXXX, I reviewed my TransUnion, Experian, and Equifax credit reports and found a fraudulent collection account reported by XXXX XXXX XXXX in the amount of {$1000.00}, opened XX/XX/XXXX. I never authorized this account and it does not belong to me. I disputed this directly with all three credit reporting agencies under 15 U.S.C. XXXX, requesting it be blocked and removed. XXXX XXXX has not validated the debt as required under 15 U.S.C. XXXX. Despite my dispute, the bureau continues to report it, harming my creditworthiness. I request CFPB action to ensure removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative Recovery is providing misleading and falsified documentation to all XXXX credit agencies I did not sign any contracts with this company They also treat to sue for a debt I do not owe by calling texting and email The debt innovative Recovery claims I owe is inaccurate. They are also using false and misleading documentation to keep dispute on my credit I have signed my contract with this company. They also treat to take legal action on a debt I dont not owe also sending text, email and calls. XXXX XXXX show this debt and TransUnion dont its hurting my opportunity for new apartments jobs and other opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Identity Theft Report Number : XXXX Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency , block and remove information appearing on my consumer credit report that is the direct result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX XXXX XXXX Bank XXXX Opened XX/XX/XXXX. Balance of {$5400.00} ( as of XX/XX/XXXX ). Status : Open with XXXX late payments reported. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Balance of {$300.00} ( as of XX/XX/XXXX ). Status : Open with XXXX late payments reported. 

XXXX  XXXX XXXX Opened XX/XX/XXXX. Status : Closed. Report shows XXXX potentially negative months and {$2500.00} written off ( status updated XX/XX/XXXX ). 

XXXX XXXX Opened XX/XX/XXXX. Status : Closed. Balance of {$5900.00}. Report shows XXXX potentially negative months. 

XXXX Bank XXXX / XXXX XXXX Opened XX/XX/XXXX. Status : Closed. Balance of {$300.00}. Report shows XXXX potentially negative months. 

XXXX XXXX XXXX. Opened XX/XX/XXXX. Status : Closed/charged off, sold to XXXX XXXX XXXX XXXX Balance of {$24000.00} written off. Report shows XXXX potentially negative months. 

These fraudulent accounts have also resulted in unauthorized hard inquiries being added to my consumer credit report. I do not recognize these accounts, hard inquiries, or any collections associated with them. They were not opened, made, or initiated by me. 

Actions taken by me : I reviewed my consumer credit file and identified these fraudulent accounts. 

I filed an Identity Theft Report with the Federal Trade Commission ( FTC Reference Number : XXXX ). 

I disputed these fraudulent accounts with the credit bureaus. 

Requested Resolution : I demand that you : Block and remove all fraudulent accounts and associated negative items listed above. 

Delete all hard inquiries associated with these fraudulent accounts. 

Cease any collection activities related to these fraudulent accounts. 

Complete these actions within 4 business days, as required under FCRA 605B. 

I have attached a copy of my FTC Identity Theft Report as proof that these accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several months ago, my mother passed away. She gave me her car, I paid it off through the bank {$5000.00}. The bank informed me that XXXX financial had a lien on it went to XXXX financial paid it off XXXX in good faith. They informed me that my mother was XXXX months late on her payments, obviously due to her XXXX and XXXX. It impacted my credit from XXXX to XXXX nearly XXXX points. XXXX in the process of buying a home for me and my family. I was informed I wouldnt be able to get the loan unless those XXXX delinquent payments were taken off my account. Equifax did their own XXXX and was not liable removed the XXXX delinquencies off my account, but it seems as if they deleted the entire record of me building credit with XXXX. 
I dont think its fair that I am found not liable but still I am left with the nearly XXXX point decrease in my credit and now me and my family are going to be forced to stay in a XXXX bedroom with XXXX people. Equifax has not been very helpful just telling me to wait weeks and weeks and I wait for the recalculation and nothing changes during the recalculation. I am being forced to let this property slip out of my hands, and there are not many properties here in California, especially with me not making very much money. I am very limited. I dont think this is fair or right that I build my credit up over the years and XXXX XXXX with, nothing I feel like is a computer error or some type of issue. Being found not liable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

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 XXXX  XXXX TransUnion 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 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I received a letter stating that I owe a debt to my former school for the Fall XXXX term. However, I did not attend that school during that time because I had already transferred to another institution before the start of the Fall XXXX semester. I should not have been enrolled or charged for any classes, tuition, or fees during or after that term, as I was no longer a student at that institution. 

Please investigate and correct any errors in your records regarding my enrollment status and any associated charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * XXXX XXXX XXXX - XXXX * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX  - XX/XX/year>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 2025-09-29 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: FL

Complaint narrative:
The data being reported for XXXX XXXX  is showing that for XXXX, XXXX, & XXXX no data is recorded but when I looked at the payment history it is showing that the account is paid on time. I would like these inaccuracies removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, Wells Fargo Card Services issued me a written settlement agreement for my account ending in XXXX XXXX XXXX XXXX XXXXXXXX, agreeing to accept {$2200.00} ( 40 % of balance ) in six monthly installments via direct debit from my bank account ( XXXX XXXX  ). 
I successfully paid XXXX, XXXX, and XXXX. However, beginning in XX/XX/year>, Wells Fargo stopped processing my direct debit payments. And I am just now noticing this unfortunately. No payment attempts are reflected in my bank records, and I never received any communication ( mail, email, or phone ) from Wells Fargo advising me of a problem or requesting updated payment information. 
Instead, without warning, or attempting to contact me. Wells Fargo has now referred my account to XXXX XXXX XXXX XXXX, even though I was fully committed to completing the settlement. 
This is an unfair and deceptive practice. Wells Fargo : Failed to process payments under the agreement, despite having my banking details. 
Failed to notify me of any issue with payment attempts. 
Failed to notify me of account being sent to XXXX XXXX Breached the written settlement agreement by referring the account to collections without cause.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX 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  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/scrub>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 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: A&D Mortgage LLC
State: CA

Complaint narrative:
1. Description of the Problem : I am submitting this complaint to stop an illegal foreclosure sale scheduled for Wednesday, XX/XX/XXXX, on my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

On XX/XX/XXXX, I sent a Non-Negotiable Notice of Debt Validation Request and a Notice of Qualified Indorsement to AD Mortgage/A & D Mortgage LLC , via United States Postal Service ( USPS ) and fax. These notices were sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), and the Truth in Lending Act ( TILA ).

Under 15 USC 1692g ( b ) and California Civil Code 1788.17, all debt collection activities including foreclosure must cease, and once a debt is disputed in writing under validation is provided.

To date, no validation has been provided by any of the named entities. Despite this, the foreclosure sale remains scheduled for XX/XX/XXXX. 

2 : Legal Violations : The following laws are being violated by proceeding with the foreclosure sale : FDCPA ( 15 USC 1692g ( b ) ) : Requires debt collectors to cease collection until validation is provided. ( A & D Mortgage is not a debt collector under the FDCPA but is covered under the RFDCPA ) Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Incorporates FDCPA requirements into California law.

Best v. Ocwen Loan Servicing, LLC ( 2021 ) 64 Cal.App.5th 568 : Confirms that nonjudicial foreclosure is debt collection under the Rosenthal Act.

TILA ( 15 USC 1601 et seq. ) : Requires clear disclosure of the creditor and terms of the debt and when that debt has been transferred.

California Civil Code 2936 : An assignment of deed of trust without the underlying note is void. A deed of trust follows the note. The note does not follow a deed of trust.

3. Actions Taken by Complainant : Sent Debt Validation Request to the foreclosing trustee, XXXX XXXX XXXX, on XX/XX/XXXX. 
Sent Qualified Indorsement Notice and Debt Validation Request to AD Mortgage/A & D Mortgage LLC and XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Sent Notice of Adequate Assurance of Due Performance and multiple sworn affidavits to all parties.

All documents were sent via USPS Priority Mail with tracking and some by fax.

No substantive response has been received as of date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : XXXX XXXX  XXXX This is completely inaccurate. 

XXXX XXXX XXXX This is completely inaccurate. 

Your continued negligence in handling identity theft reports violates the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office , and I will seek legal damages for your reckless disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
Complaint Against : XXXX XXXX ( and any other creditor reporting fraudulent data ) Equifax, Experian, TransUnion ( for inaccurate reporting ) Issue : Identity theft, inaccurate credit reporting, failure to maintain accuracy under the Fair Credit Reporting Act ( FCRA ). 

Statement of Complaint : I am the victim of identity theft. My Social Security number and personal information were exposed in multiple breaches, including XXXX ( XXXX ) and other online platforms. As a result, fraudulent aliases and addresses have appeared on my credit file, including XXXXXX/XX/XXXX ; and XXXX,XX/XX/XXXX. I have never lived at or been associated with these addresses. 
Despite notifying the credit bureaus, these inaccurate identifiers remain. Their continued reporting violates the FCRA, 15 U.S.C. XXXX ( b ), which requires maximum possible accuracy, and XXXX ( a ), which mandates reinvestigation and deletion of unverifiable data. Courts have held that failure to correct such inaccuracies after notice constitutes a violation ( XXXX v. Trans Union XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) ). 
XXXX XXXX and other furnishers are also in violation of 15 U.S.C. XXXX ( b ) by continuing to report fraudulent tradelines tied to these false addresses and aliases. delete and block all accounts associated with the above listed XXXX as i have never lived there and the accounts are fraudulent

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