vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX handling of my mortgage assistance and appeal process for my XXXX XXXX loan ( Loan Number : XXXX, Property Address : XXXX XXXX XXXX XXXX XXXX, OR XXXX ). 

I submitted a complete loan modification package through XXXX and followed every instruction provided. I also made XXXX required trial payments of {$3000.00} each as directed by XXXX to demonstrate eligibility for the modification program. I made these payments in good faith and on time, understanding that they were a condition of qualification. 

Despite this, XXXX denied my modification request, stating that the signatures on the final modification agreement were incorrect or unauthorized. This determination is factually incorrect and appears to stem from administrative mishandling rather than any error on my part. 

The documents XXXX sent me included multiple stickers indicating where to sign and XXXX labeled XXXX. Initially, I misunderstood the XXXX instruction, believing it was for XXXX internal use. Once I was informed otherwise, I immediately visited a licensed notary, re-signed the documents properly, and returned them. Later, I was told there was an issue with the notarization date. The notary verified that her seal and logbook were correct and even re-notarized the documents to ensure absolute clarity. I returned these promptly as well. 

Despite complying with every step, XXXX denied my application, repeating the same reason. I appealed this decision and explained the entire situation with documentation. However, XXXX denied my appeal on XX/XX/year>, issuing a brief statement that their decision is final, without addressing the factual basis of my appeal or the evidence I provided. 

Following this, my account was sent to collections, despite my full compliance, timely payments, and good faith cooperation throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 XXXX : 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 2025-10-22 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: GA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries ma
kes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. XXXX  XX/XX/year> 2. XXXX XXXX Account Number : XXXX These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms 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 2025-10-22 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: Westcreek Financial
State: MD

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating XXXX XXXX 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 
You Are in Direct Violation of XXXX XXXX : XXXX XXXX  XXXX ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation. 
XXXX XXXX. XXXX You are required to block identity theftrelated information within XXXX business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance. 
XXXX XXXX. XXXX ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature. 
XXXX XXXX. XXXX ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately. 
FCRA XXXX & XXXX Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX / KOALAFI Account Number : XXXX XXXX. XXXX Account XXXX : XXXX These are identity theft items not mine, not authorized, not valid. Every additional day they remain on my report causes ongoing harm to my credit, finances, and legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: DISCOVER BANK
State: MD

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating XXXX XXXX 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 
You Are in Direct Violation of XXXX XXXX : XXXX XXXX. XXXX ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation. 
XXXX XXXX. XXXX You are required to block identity theftrelated information within XXXX business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance. 
XXXX XXXX. XXXX ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature. 
XXXX XXXX. XXXX ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately. 
FCRA XXXX & XXXX Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX These are identity theft items not mine, not authorized, not valid. Every additional day they remain on my report causes ongoing harm to my credit, finances, and legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. DEPTEDXXXX Account Number : XXXX 4. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating XXXX XXXX. 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 
You Are in Direct Violation of XXXX XXXX : XXXX XXXX. XXXX ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation. 
XXXX XXXX. XXXX You are required to block identity theftrelated information within XXXX business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, XXXX XXXX card, and proof of address. Your failure to act is blatant noncompliance. 
XXXX XXXX. XXXX ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature. 
XXXX XXXX. XXXX ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately. 
FCRA XXXX & XXXX Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MD

Complaint narrative:
In XX/XX/year>, I moved out of XXXX XXXX XXXX in XXXX XXXX which was managed at that time by XXXX XXXX XXXX XXXX. After losing my employment in early XXXX, I was approved for assistance through the XXXX XXXX XXXX Emergency Rental Assistance Program ( ERAP ). 

The property manager, XXXX XXXX, completed the required landlord forms, and ERAP issued payments directly to XXXX XXXX XXXX on my behalf. According to ERAP records provided by XXXX XXXX, XXXX payments were approved and processed : {$4300.00} for XXXX XXXX  {$4300.00} for XXXX XXXX  I also have a copy of Check No. XXXX, issued XX/XX/year>, payable to XXXX XXXX XXXX and me. The check was issued by the XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX and signed by XXXX XXXX. 

Despite these payments, a collection account from XXXX XXXX XXXX Hunter Warfield appeared on my credit report in XX/XX/year> for {$4900.00}. I was never grossly late on rent during my tenancy. This collection was reported in error. 

Since discovering the error, I have contacted both XXXX XXXX XXXX XXXX and Hunter Warfield multiple times to dispute the reporting. XXXX XXXX has acknowledged receipt of XXXX  funds and is currently reviewing the ledger. The inaccurate account has significantly harmed my credit standing and affected my ability to qualify for a mortgage. 

I am requesting that the collection account ( Hunter Warfield/ XXXX XXXXXXXX Account XXXX. XXXX ) be permanently deleted from all credit bureaus and that the companies involved confirm this correction in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am really frustrated because the inaccurate late payments are still displayed on my credit reports as of this morning, and I have no explanation for it. They remained even after I refreshed the browser. I am asking that all the documents I submitted be closely verified immediately so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Would like to see proof that the debt collectors own this debir with a sign contract with the debt you all say i owe you that I signed with you. I have proof that my email, bank account and credit was compromised. As well as my social security number and date of birth was leaked by transunion.

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 2025-10-22 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: MI

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for their continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes submitted more than 35 days ago, all three credit bureaus have failed to properly investigate, correct, or provide documentation supporting the continued reporting of several inaccurate and unauthorized items on my credit file. 

These errors include the reporting of incorrect personal information, unauthorized inquiries, and inaccurate account data. The items in dispute include but are not limited to : Incorrect addresses and employment information Multiple unauthorized inquiries by lenders without my consent ( including XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, all dated XX/XX/year> ) Inaccurate and unverifiable charge-off accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect payment history reporting and misclassified late payments on paid or closed accounts I have repeatedly requested that these bureaus : Conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) Provide a detailed method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) To date, none of the three bureaus have provided the method and procedures used in verification, documentation relied upon to verify the accounts, or full furnisher contact information. Their continued reporting of false and unverifiable information constitutes willful and negligent noncompliance with the FCRA.

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 2025-10-22 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: MI

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for their continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes submitted more than 35 days ago, all three credit bureaus have failed to properly investigate, correct, or provide documentation supporting the continued reporting of several inaccurate and unauthorized items on my credit file. 

These errors include the reporting of incorrect personal information, unauthorized inquiries, and inaccurate account data. The items in dispute include but are not limited to : Incorrect addresses and employment information Multiple unauthorized inquiries by lenders without my consent ( including XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, all dated XX/XX/year> ) Inaccurate and unverifiable charge-off accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect payment history reporting and misclassified late payments on paid or closed accounts I have repeatedly requested that these bureaus : Conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) Provide a detailed method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) To date, none of the three bureaus have provided the method and procedures used in verification, documentation relied upon to verify the accounts, or full furnisher contact information. Their continued reporting of false and unverifiable information constitutes willful and negligent noncompliance with the FCRA.

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