vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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 sent two request for the credit bureaus to investigate two collections items. That the credit bureaus believed were mine. The accounts were : XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$4000.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$460.00}, Payment : -, Issue : Collection/Chargeoff The initial request was on XX/XX/XXXX and the last request was XX/XX/XXXX. Both times I only received a letter and credit report stating that the collection accounts were mine. This is a huge problem. Due to these negative marks, I was recently denied fair access to mortgage financing and was instead offered an interest rate of over 10 %. This has directly harmed not only my financial well-being but also my familys future. I am seeking homeownership, and these inaccurate accounts are blocking that opportunity. I am aware that Experian has not been properly investigating consumer disputes and I believe I am a victim of this. In additional all 3 credit bureaus are aware that Equifax has been sued over data breach. You would assume that these credit bureaus will take it more seriously. This is increase my mortgage payment from {$3800.00} to {$6100.00}!!! I need this resolve immediately.

These 2 collection accounts do not belong to me and were never legally validated. Since they have failed to provide proper verification or remove them in accordance with federal law, I am requesting immediate deletion of these entries. 
Please treat this matter very seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I am always getting letters from Wells Fargo saying my escrow acct is short. I just got another one on XX/XX/year> saying my escrow account has a shortage of {$1300.00} which will make my payment {$950.00} which is getting too expensive. I looked at the escrow statement and my insurance went up about {$400.00} but my taxes went down about {$400.00} so I do not see what would warrant the increase of {$1300.00}. Also I noticed only {$200.00} goes toward principal of the loan and I have had the loan for 20 years.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. At no time did I sign or otherwise authorize XXXX to report my loan account or payment information to any credit reporting agencies. 

Since XXXX does not have a signed credit reporting disclosure or authorization from me, they have no legal basis to report late payments, derogatory remarks, or any information related to this loan to credit bureaus. 

I hereby formally notify XXXX that their credit reporting activities concerning my account are unauthorized. I demand that XXXX immediately cease reporting any information about this account to all credit reporting agencies and request the deletion of any such information already reported.

Failure to comply with this demand may constitute a violation of the Fair Credit Reporting Act, and I will pursue all legal remedies available to me to protect my credit and enforce my rights.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. At no time did I sign or otherwise authorize XXXX to report my loan account or payment information to any credit reporting agencies. 

Since XXXX does not have a signed credit reporting disclosure or authorization from me, they have no legal basis to report late payments, derogatory remarks, or any information related to this loan to credit bureaus. 

I hereby formally notify XXXX that their credit reporting activities concerning my account are unauthorized. I demand that XXXX immediately cease reporting any information about this account to all credit reporting agencies and request the deletion of any such information already reported. 

Failure to comply with this demand may constitute a violation of the Fair Credit Reporting Act, and I will pursue all legal remedies available to me to protect my credit and enforce my rights.

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 2025-06-25 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$890.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-06-25 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: GA

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 XXXX 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 2025-06-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX - XXXX - I demand immediate action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), block and remove all fraudulent data from my credit file within 4 business days.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-25 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to address adverse marks on my credit file that have been attributed to me. 
While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without " Proper Validation and Proof of Claim ''. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Complete payment history XXXXDate of last activity XXXX. Full, accurate social security number XXXX. Agreement that bears the signature of the alleged debtor, indicating commitment to pay the original creditor. The obligation between your company ( XXXX XXXX  XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transaction binding me to any agreement to pay your company. 
XXXXProof of photo identification. government issue identification card present at the time of the incurring the debt. 
XXXXLetter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. 
XXXX. Any other pertinent information regarding theb creation of the debt by your collection agency like ( where the debt originated from, the sum paid by the bad debt buyer for the plaintiff debt. 
I must emphasize that, under FDCPA, Section 809 ( b ) collection is validated. The court ruling in XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather it is a demand for all the listed information to constitute full and validation of debt!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
When attempting to login online I received an error preventing me from logging in. I then called the company and XXXX answered. She is always rude and condescending in a polite way that expresses she does not care about the customers or their loan status. Quick to hang up if you express the slightest frustration. In this case she accused me of having a previous loans which caused the error message when logging in. I repeated 4xs to her that I have never once took out a loan with her company before the loan I have now. She kept insisting I had some lapse in memory and that indeed had a previous loan. When she asked if I wanted to call her back as if to give myself time to remember, I proceeded to ask for her name to file a poor business practice complaint against her and her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX 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 2025-06-25 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: NY

Complaint narrative:
Experian continues to report XXXX accounts on my credit file that were opened without my knowledge, consent, or authorization : XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These accounts are the result of identity theft and, in part, psychological coercion by a third party. I did not sign any application, contract, or authorize the opening of these accounts. I have submitted a formal FTC Identity Theft Report ( Report # XXXX ), in which I declared under penalty of perjury that I am a victim of identity theft, as defined in the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). 

As of XX/XX/year>, I completed and signed this report. According to the law, Experian is legally obligated to block all identity theft-related information within XXXX business days of receiving a valid Identity Theft Report. Despite this, Experian continues to report the fraudulent accounts, which constitutes a clear violation of 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 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report related to an account originally held by XXXX XXXX XXXX, XXXX. 

The account in question ( Account Number ending in XXXX ) was charged off by XXXX and later placed with a collection agency. I have since paid the debt in to the collection agency XXXX XXXX XXXX with confirmation code XXXX. 

Despite this, XXXX is still reporting the account as a charge-off with a derogatory status. This is misleading and inaccurate, as the debt has been resolved.. 

Please conduct an investigation into this matter and provide me with a written response within 30 days, as required under the Fair Credit Reporting Act.

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 2025-06-25 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:
I am writing to dispute inaccurate information on my credit report related to an account originally held by XXXX XXXX XXXX, XXXX. 

The account in question ( Account Number ending in XXXX ) was charged off by XXXX and later placed with a collection agency. I have since paid the debt in to the collection agency XXXX XXXX XXXX with confirmation code XXXX. 

Despite this, XXXX is still reporting the account as a charge-off with a derogatory status. This is misleading and inaccurate, as the debt has been resolved.. 

Please conduct an investigation into this matter and provide me with a written response within 30 days, as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I did not open this account Portfolio recovery is committing fraud. They have not submitted any supporting documentation. Ive never opened a with XXXX  XXXX. Our portfolio recovery. Remove this account immediately under FCRA605 subsection B identity theft

Company response to consumer: Closed with explanation