vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter constitutes a formal demand regarding unauthorized hard inquiries on my credit file. I previously contacted your agency on [ Insert date if available ] and was assured by a representative that these fraudulent inquiries would be removed. This promise has not been fulfilled. 

The continued presence of these entries, which strongly indicate potential identity theft, is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This failure to correct known inaccuracies is causing me ongoing and demonstrable financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NJ

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 non-monetary relief
Consumer complaint received 2025-09-17 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XX/XX/XXXX- XXXX XXXX - XXXXXX/XX/XXXX - XXXXXX/XX/XXXX- XXXX XX/XX/XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MD

Complaint narrative:
Disputed Accounts & Errors XXXX. XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Reported : Open Late XXXX  Days XXXX XXXX XXXX XXXX XXXX 
XXXX Errors XXXX XXXXXXXX misclassified as mortgage ; XXXXXXXX XXXX XXXX mismatch vs other bureaus XXXX XXXX XXXX XXXX  payment/past-due mismatch. 
XXXX All late months disputed ( XXXX XXXX XXXX  ). 
XXXX. XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Reported : Open Terminated Authorized User. 
XXXX Error : ECOA conflict. Must be corrected. 
XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Ensure Payment Status not Paid while balance exists. 
XXXX. XXXXXXXX XXXX ( XXXX  XXXX ) XXXX Reported : Closed Purchased by another lender. 
XXXX  Error : Transfer not harmonized with XXXX. Needs correct XXXX XXXX successor coding. 
Legal Basis Same as TransUnion letter ( FCRA 607 ( b ), 611, 1681i ( a ) ( 5 ) ( A ), XXXX ). 
Demands Provide Method of Verification and ledgers for every late. 
Correct miscodings and transfer coding. 
If not verifiable, delete tradelines. 
Enclosures : ID, proof of address, highlighted pages.

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 2025-09-17 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-17 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX  HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX  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 any 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 of 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 2025-09-17 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter constitutes a formal demand regarding unauthorized hard inquiries on my credit file. I previously contacted your agency on [ Insert date if available ] and was assured by a representative that these fraudulent inquiries would be removed. This promise has not been fulfilled. 

The continued presence of these entries, which strongly indicate potential identity theft, is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This failure to correct known inaccuracies is causing me ongoing and demonstrable financial harm.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group
State: IL

Complaint narrative:
15 USC 1692g Formal dispute debt pursuant to the FDCPA 15USC 1692g ( b ) request verification, validation and name and address of original creditor

Company response to consumer: Untimely response
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: MI

Complaint narrative:
the name attached to my report is not me, my name is wrong, and accounts are wrong on my report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because Equifax is the only bureau that is not reporting my current employer. My correct employer is XXXX XXXX XXXX, but it does not appear anywhere in my Equifax file. Both of the other major credit bureaus report my information correctly, so there is no reason Equifax should still be leaving this out. This kind of inaccuracy creates a misleading picture of me as a consumer. Employment information matters because it is often reviewed when applying for credit, housing, or even jobs. If Equifax continues to report my file without my current employer, it makes my report look incomplete and less reliable compared to the other bureaus. That is unfair and it has already caused unnecessary stress. The Fair Credit Reporting Act requires consumer reporting agencies to maintain the maximum possible accuracy of information under 15 U.S.C. 1681e ( b ). By failing to report my current employer, Equifax is not meeting this requirement and is reporting incomplete data that does not match my true profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
15USC 1692g Formal dispute debt pursuant to the FDCPA. Request verification, validation, name of original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Theres an address listed on my credit report in XXXXXXXX XXXX XXXX its fraud never applied or lived there.

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 2025-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Yesterday ( XXXX XX/XX/year> ), I spoke via a recorded phone call with a Security Service Federal Credit Union ( XXXX ) loan officer in depth regarding borrowing against my CD, paying back the loan in a single payment before the XXXX XX/XX/year> maturity date, and renewing the CD. The loan officer stated that there were no problems with borrowing against my CD, paying it back in a single payment, and having enough time to renew the CD within a week 's window. She was very helpful and skilled in answering all my questions. Today around XXXXXXXX XXXX EST via a recorded phone call, XXXX stated that the system is preventing me from borrowing against my CD. I informed XXXX that what he is saying is the total opposite of what the loan officer stated yesterday. I asked to speak with a supervisor and XXXX informed me that he is the senior loan officer. Again, I requested to speak with a supervisor. XXXX would not transfer me to a supervisor. XXXX transferred me to XXXX to close my CD. I request SSFCU Corporate to respond to me being denied access to borrow against my available CD funds. I request SSFCU Corporate to respond to me being forced to close my CD early which will result in penalty fees.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have submitted my concerns involving the accounts mentioned in this complaint. I have not received a proper investigation from the credit furnisher or reporting agencies and would need the accounts removed due to the negligence. 
XXXX XXXX XXXX, Account XXXX XXXX. Opened XXXX XXXX. {$14000.00} XXXX XXXX XXXX, Account XXXX XXXX. Opened XXXX XXXX. {$20000.00}

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 2025-09-17 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: SC

Complaint narrative:
I have submitted my concerns involving the accounts mentioned in this complaint. I have not received a proper investigation from the credit furnisher or reporting agencies and would need the accounts removed due to the negligence. 
XXXX XXXX XXXX, Account XXXX XXXX. Opened XXXX XXXX. {$14000.00} XXXX XXXX XXXX, Account XXXX XXXX. Opened XXXX XXXX. {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Proof of accuracy and verification FCRA 609 ( a ) ( 1 ) & ( c ) ( 2 ) Formally request that all documentation verifying the charge off.

Failure to do so requires its immediate deletion FCRA 611 ( a ) ( 5 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-09-17 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: GA

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 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 2025-09-17 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:
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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
On XX/XX/year> I received a call from XXXX XXXX, who is a lender with Freedom Mortgage. He explained that he could get me a lower rate on my current mortgage with them and the savings involved. I told him that I was already in the process of doing a streamline with my broker and wanted to discuss this information with him. XXXX was very aggressive. XXXX said he would call me back to see if I was interested. After speaking to my broker, I decided that I would just continue with the process I was already involved in. I emailed XXXX immediately and said that I was going to stay with my current lender and would not be going through Freedom Mortgage. At no point did I ever agree to an application or apply with Freedom Mortgage. Today, XX/XX/XXXX, I received a notice in the mail from Freedom Mortgage ( NMLS ID # XXXX ) stating that they received my request to withdraw my loan application and have cancelled my application request. This infuriates me to no end as I never agreed to or requested an application with XXXX. When I called Freedom Mortgage to discuss this, the customer service Rep just kept telling me " to rest assure that the loan application has been withdrawn and not to worry about it ''. I kept saying that I wasn't ok with this because I never applied for a loan. This is predatory lending at its best. Completely unfair and deceptive practice and wanted you to be aware of this.

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 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I requested a 1099 for tax purposes from Macy 's and they ignored 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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the bankruptcy entry that appears on my credit report. This entry is completely inaccurate and fraudulent, as I have never filed for bankruptcy. Its continued presence is causing significant damage to my creditworthiness and reputation.

Company response to consumer: Closed with non-monetary relief