vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX | XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Identity Theft and Request for Investigation and Removal of Credit Report Entries To Whom It May Concern, I am submitting this formal complaint because I am a victim of identity theft, and my credit reports contain nume Below is a breakdown by bureau of all the disputed and fraudulent information : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EQUIFAX : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX accounts ( Charge-offs ) XXXX XXXX XXXXharge-off Credit Bureau Services Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX duplicate Collection accounts ( XXXX XXXX XXXX ) XXXX XXXX XXXX History of late payments XXXX XXXX History of late payments Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Consumer Statement : THESE ITEMS ON MY CREDIT REPORT ARE NOT MINE Fraud Alert present Remarks/comments indicating prior disputes or high risk -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EXPERIAN : -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments or codes implying high risk/fraud/dispute status -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TRANSUNION : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Guarantee Confirm there are no fraud alerts , statements, or remarks indicating high risk or identity disputes Remove any previous aliases, old addresses, or incorrect employer information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Attached to this complaint are : - A copy of my passport ( proof of identity ) - A copy of my lease ( proof of address ) - Credit reports from all three credit bureaus - Individual dispute letters and itemized breakdowns for Equifax, Experian, and TransUni

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX | XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Identity Theft and Request for Investigation and Removal of Credit Report Entries To Whom It May Concern, I am submitting this formal complaint because I am a victim of identity theft, and my credit reports contain nume Below is a breakdown by bureau of all the disputed and fraudulent information : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EQUIFAX : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX accounts ( Charge-offs ) XXXX XXXX XXXXharge-off Credit Bureau Services Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX duplicate Collection accounts ( XXXX XXXX XXXX ) XXXX XXXX XXXX History of late payments XXXX XXXX History of late payments Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Consumer Statement : THESE ITEMS ON MY CREDIT REPORT ARE NOT MINE Fraud Alert present Remarks/comments indicating prior disputes or high risk -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EXPERIAN : -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments or codes implying high risk/fraud/dispute status -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TRANSUNION : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Guarantee Confirm there are no fraud alerts , statements, or remarks indicating high risk or identity disputes Remove any previous aliases, old addresses, or incorrect employer information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Attached to this complaint are : - A copy of my passport ( proof of identity ) - A copy of my lease ( proof of address ) - Credit reports from all three credit bureaus - Individual dispute letters and itemized breakdowns for Equifax, Experian, and TransUni

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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint due to multiple accounts, addresses, and credit inquiries fraudulently listed on my credit report. I am a victim of identity theft, and these items are not connected to me. These errors are causing severe and ongoing damage to my credit profile and financial stability. This complaint supports my ongoing case and adds new evidence. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Late Payment High Balance : {$12000.00} Date Opened : XX/XX/year> Issue : This account is inaccurately reported with late payments. I have disputed this before, but the reporting agency failed to investigate thoroughly or correct it. 
Law : Under FCRA 15 U.S. Code 1681i, upon receiving a dispute, the agency must conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information. FDCPA also protects consumers from misleading reporting practices.

Story : I have faced immense emotional distress and credit denials due to this inaccurate delinquency marking. My consistent payments and records contradict the derogatory status reflected. This false reporting is damaging my reputation and financial stability.

RELIEF REQUESTED : I respectfully ask the CFPB to investigate these fraudulent accounts, inquiries, and addresses. I demand : Immediate deletion of these unauthorized addresses and accounts from my credit reports.

Investigation and removal of all listed unauthorized hard inquiries.

Verification of all accounts under FCRA and FDCPA compliance.

Penalties imposed on any furnishers or entities who failed to comply with federal law.

These errors and fraudulent items are not only harming my financial stability but also affecting my mental well-being. I request urgent intervention from your office to help me restore my credit profile and ensure no further fraudulent activity affects me.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-15 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a personal loan in XX/XX/year>, with Truist Bank in the bench office to pay off my persona loan with XXXX XXXX, because the interest rate was too high with my credit score. On XX/XX/year>, I received an email noticed from XXXX that I was late on my XXXX payment. I called XXXX to found out that on XX/XX/year>, the check was returned back to Truist Bank requesting for information. I called Truist Bank, and I was usured that the check was going to be reissued. I was on the phone with Upgrade and Truist Bank for about XXXX hours tried to solve this matter because I had to pay XXXX  XXXX and Truist Bank a repayment back for the month of XXXX. I go online XXXX and see I still have an active loan with XXXX for the month of XXXX. I called the branch and the toll-free number of Truist Bank XXXX XX/XX/XXXX to be told that I still have to pay XXXX payment with Truist while there investigating the matter. I requested for Truist Bank to do a stop payment on the check and send the check to me to cash and pay my XXXX loan off and I was told no. XX/XX/XXXX, I called Truist Bank to see if a check was sent to Upgrade and I was told that they are still investigating the case and that I have to make my XXXX payment on a loan amount I still have not received since XX/XX/year>, when I signed the document.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
I am disputing inaccurate information reported by Justice Finance Company. This account was charged off and marked as Purchased by another lender, but the credit report does not identify the current owner of the debt. According to the FCRA ( Fair Credit Reporting Act ), if a debt has been sold, the original creditor must update the tradeline to reflect a {$0.00} balance. This account is still reporting a balance and past-due amount with no new creditor listed. This misleads lenders and negatively impacts my credit. I have attempted to dispute this through the credit bureaus, and the issue remains unresolved. I am requesting that this tradeline be updated to reflect a {$0.00} balance or be removed entirely if the furnisher can not validate the current ownership of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: EQUITY LOANS LLC
State: IL

Complaint narrative:
I attempted to refinance my mortgage but XXXX illegally and incorrectly reported my XX/XX/XXXX payment was 30 days late although it was timely, claiming they do so in arrears to another payment which is illegal. I paid my XX/XX/XXXX payment timely and XXXX claims that although the payment was timely they reported it as untimely because the XX/XX/XXXX payment wa a untimely that makes no sense and is illegal. They can not mark the XX/XX/XXXX payment untimely because the XX/XX/XXXX payment was untimely. XXXX stated The credit document provided by XXXX XXXX shows that the XX/XX/XXXX payment was reported 30+ days past due in XXXX XXXX Credit reporting is done in arrears and the reporting is reflecting this on the Customers credit file. This makes absolutely no sense the credit document shows the XX/XX/XXXX payment was untimely again this is illegal and nonsense. XXXX needs to have a response sent by an employee whose first language is English and can read the English language without distorting it. Instead of simply agreeing with the company because theh attached a document Im asking f the. XXXX XXXX who reviews this case to actually read the documents and response I. Their entirety there is no law that allows a mortgage company to mark a timely payment as untimely in order to make up for a different month in arrears. Please assign this to someone with a mastery of the English language.

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 2025-07-15 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
On my credit report I see damages that are causing defamation to my character coming from various collection companies. I requested validation of the debt and was not provided it. According to 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ) I have a right to investigate the validity of the debts in question I requested the following : 1. Validation of Debt : Please provide documentation proving that I am legally responsible for this debt. This includes : A : A copy of the original signed contract or purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

B : In addition, please send proof of the chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

C : Also include a full accounting history from the original creditor including the date and amount of each payment and the date of first delinquency leading to the collection status.

D : If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

E : Proof that you are legally allowd to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond.

F : Also send proof that you sent the legally required notices to me before reporting alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC v. XXXX XXXX XXXX makes clear that it Debt Parking without proper notices is a violation of consumer rights.

Cease Certain Communications : Under 15 U.S.C. 1692cc, I request that all further communication regarding this matter be limited as per federal guidelines.

2. Credit Report Correction : If you can not validate this debt, I demand its immediate removal from any credit reporting agencies in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ).

Please provide written confirmation within 30 days of receipt of this letter that the requested information has been provided or that the debt has been removed from all records. Failure to comply may result in further legal action.

Thank you for your prompt attention to this matter. Please direct all future correspondence to my mailing address.

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 2025-07-15 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: The Receivable Management Services LLC
State: NV

Complaint narrative:
On my credit report I see damages that are causing defamation to my character coming from various collection companies. I requested validation of the debt and was not provided it. According to 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ) I have a right to investigate the validity of the debts in question I requested the following : 1. Validation of Debt : Please provide documentation proving that I am legally responsible for this debt. This includes : A : A copy of the original signed contract or purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

B : In addition, please send proof of the chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

C : Also include a full accounting history from the original creditor including the date and amount of each payment and the date of first delinquency leading to the collection status.

D : If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

E : Proof that you are legally allowd to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond.

F : Also send proof that you sent the legally required notices to me before reporting alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC v. XXXX XXXX XXXX makes clear that it Debt Parking without proper notices is a violation of consumer rights.

Cease Certain Communications : Under 15 U.S.C. 1692cc, I request that all further communication regarding this matter be limited as per federal guidelines.

2. Credit Report Correction : If you can not validate this debt, I demand its immediate removal from any credit reporting agencies in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ).

Please provide written confirmation within 30 days of receipt of this letter that the requested information has been provided or that the debt has been removed from all records. Failure to comply may result in further legal action.

Thank you for your prompt attention to this matter. Please direct all future correspondence to my mailing address.

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 2025-07-15 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and XXXX  exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-15 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Breech of contract with my personal information and my information being sold without my consent

Company response to consumer: Closed with explanation