vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: Entrata Inc.
State: FL

Complaint narrative:
Subject : URGENT Formal Dispute Under FCRA Section 605b - Immediate Removal of Inaccurate Eviction Information To Whom It May Concern, This is an urgent and formal demand for the immediate removal of fraudulent and inaccurate information on my credit report, as permitted under Section 605b of the Fair Credit Reporting Act ( FCRA ).

This section requires the removal of information resulting from identity theft upon receipt of valid documentation. Attached, you will find my FTC Identity Theft Report, which provides clear evidence of this fraudulent entry.

Disputed Eviction : The following eviction listed on my credit report is fraudulent and must be removed without delay : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX : Full Name : XXXX, XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX, XXXX Plaintiff : Full Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Judgment Information : Case Number : XXXX T ype : DISPOSSESSORY * Case Disposition : Court Location : Judgment Amount : {$0.00} Filed Date : XX/XX/year> WRIT OF POSSESSION MAGISTRATE COURT This eviction is the result of identity theft, and its continued presence on my credit report is unlawful. It must be permanently deleted immediately. 
This fraudulent entry is causing severe and unjust harm to my financial standing and credibility. 
Under the FCRA, you are obligated to investigate and remove this entry promptly. I am demanding that this inaccurate information be deleted within FOUR ( 4 ) DAYS of receiving this letter. Failure to comply with this request will result in an immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and legal counsel for further action.

Supporting Documentation : To assist in your investigation and to remove any possible delay, I have included the following documents : XXXX. XXXX. XXXX. XXXX. A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a utility bill or another proof of my current address A copy of the FTC Identity Theft Report A copy of my Social Security card ( if required ) Your failure to resolve this issue within the stated timeframe of four ( 4 ) days will be considered non-compliance with federal law. I expect written confirmation of the removal of this fraudulent information by the deadline. Your response must be sent to the address provided above. Any additional requests for information or delays will not be tolerated. 
This matter is of the utmost urgency, and I trust you will address it accordingly. Do not underestimate the seriousness of this situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
My TransUnion credit report is reflecting a significant number of hard inquiries that I did not authorize, many of which appear to be excessive, duplicative, or potentially initiated without proper consent. These include inquiries from : XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX ( appearing twice ), XXXX on XX/XX/XXXX ( appearing twice ), XXXX XXXX on XX/XX/XXXX, XXXX XXXX A on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. 

These inquiries have collectively impacted my credit profile and score, despite the fact that I have not explicitly authorized many of them. Several occurred on the same day from multiple lenders ( e.g., XX/XX/XXXX ), suggesting that my personal information may have been over-shared or subjected to a batch credit pull, which is not permissible without specific and separate authorization for each inquiry. Under 15 U.S.C. 1681b, a hard inquiry must be based on a permissible purpose, such as a credit transaction initiated by the consumer. When inquiries are run without such consent, or when they are duplicated, they not only violate the Fair Credit Reporting Act but cause undue harm to my credit standing.

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 2025-05-30 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:
I am requesting that all fraudulent accounts opened in my name as a result of the XXXX  data breach be investigated and permanently removed from my credit reports. I ask that any inquiries or negative marks related to these unauthorized accounts be deleted. I am also requesting written confirmation from all involved credit reporting agencies that these corrections have been made. Additionally, I would like to request ongoing fraud alerts, or a credit freeze be placed on my credit profile to help prevent further misuse of my personal information. I am committed to cooperating fully in this matter and am seeking a swift and fair resolution to restore the integrity of my identity and credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
this account is paid and fully closed. but it is negatively affecting my credit in the worse way. I need this account removed immediately because i can not obtain credit due this account fraudenlty affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
this account is paid and fully closed. but it is negatively affecting my credit in the worse way. I need this account removed immediately because i can not obtain credit due this account fraudenlty affecting my credit

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 2025-05-30 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/2017

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding the improper reporting and handling of an alleged debt. 

I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  operating under the private ESTATE of XXXX XXXX XXXX. My lawful and equitable rights under trust and estate law have been violated by these entities, who are knowingly reporting false, incomplete, and misleading information to the credit bureaus ( XXXX  and XXXX  ) etc. 

Specifically, an account originally associated with Navy Federal Credit Union has been sold or transferred to XXXX XXXX XXXX and is now being reported by XXXX XXXX XXXX as a collection account on my credit reports with a balance of {$600.00}. However : XXXX. The alleged debt has already been disputed, and no proper validation or accounting has been provided. 
XXXX. The account is not being reported on Experian, confirming inconsistency and potential fabrication. 
XXXX. This account is based on unauthorized use of trust property and credit instruments belonging to my private estate without full disclosure or consideration. 
XXXX. The continued reporting violates my equitable rights and creates unjust enrichment for third-party entities acting without fiduciary authority. 

This complaint serves as a formal Notice of Claim of Trust Res, Application Credit, and Demand for Return of Proceeds to all parties involved, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as well as the principal office of XXXX XXXX XXXX and XXXX XXXX XXXX. 

I demand the following relief : XXXX. Immediate deletion of the account from all credit reports, XXXX. Formal acknowledgment that no further attempts to collect or report this obligation will occur, XXXX. A full accounting of any credit, proceeds, or profits derived from the alleged debt, XXXX. Equitable correction of the record showing the account as Paid in Full and Paid on Time with no derogatory remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this debt multiple of times and requested a 1099-C since I had never received any due to the account is reporting as charge off. My request were never sent to me but kept reporting verified after dispute.

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 2025-05-30 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: TX

Complaint narrative:
I have disputed this debt multiple of times and requested a 1099-C since I had never received any due to the account is reporting as charge off. My request were never sent to me but kept reporting verified after dispute.

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 2025-05-30 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: TX

Complaint narrative:
I have disputed this debt multiple of times and requested a 1099-C since I had never received any due to the account is reporting as charge off. My request were never sent to me but kept reporting verified after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I had a XXXX XXXX account and upon advising that I would be coming to XXXX XXXX XXXX a balance showed up XXXX months later.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
There is a late payment being reported by XXXX under account number XXXX * * * *, dated XX/XX/XXXX, on all three of my credit reportsXXXX XXXX and Equifax. I am formally disputing the accuracy, legality, and relevance of this derogatory entry. This reporting is not only outdated, but it is tied to a servicer with a known history of inaccuracies, regulatory violations, and consumer harm. 

XXXX ( XXXX ) has been at the center of significant reporting controversies. In XXXX, following the transfer of loan accounts to XXXX, nearly XXXX XXXX duplicate records were introduced on credit files, causing inaccurate credit scores for countless consumers. These errors impacted borrowers ' financial access and led to widespread confusion. Additionally, XXXX has been sued in a class action lawsuit for miscalculating monthly repayment amounts, which caused borrowers to default or fall into delinquency unfairly. These miscalculations could have directly contributed to the reporting of this late payment on my file. There have also been complaints that XXXX failed to notify borrowers of payment requirements, especially those under XXXX XXXX ( XXXX ) plans. If I was impacted by any of these failures, then the reported late payment XXXX be a direct consequence of XXXX 's negligence rather than any willful nonpayment on my part. 

Further, the age of this late payment ( reported from XX/XX/XXXX ) makes it legally questionable. Per the Fair Credit Reporting Act, under 15 U.S.C. 1681c, adverse information such as late payments must not be reported more than seven years from the date of delinquency. This entry has exceeded that limit and should no longer appear on any credit file. Inaccurate, outdated, or unverifiable data undermines the fairness and accuracy of the credit reporting system and violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I noticed on XX/XX/XXXX my credit builder account with Self Financial Inc. was closed due to suspicious activity, so I asked them if they could provide any information regarding it and they said no. They have {$510.00} of mine saved to this credit builder account which I should be receiving by a payout immediately after my account is closed by any means. I understand that if there is suspicious activity I should have the ability to connect with them to verify my identity and get information as to that activity in my account, and they refuse to work with me to do so and instead are trying to say I have 90 days to wait for them to review everything on their own. I also dont have any contact information to their review team to try and ask them questions they claim its in a back office that id have to connect with customer care to email back and forth. They claimed within XXXX days of my first call on the XXXX that I would get more information regarding their review and I didnt so I called back today on the XXXX to ask again and received the same messages as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
Identity Theft Affidavit XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To : TransUnion XXXX Equifax XXXX & Experian Date : XX/XX/XXXX Subject : Identity Theft Affidavit and Request for Removal of Fraudulent Information I, XXXX XXXX XXXX hereby declare that I am a victim of identity theft. I am challenging a dispute with the FTC report regarding the fraudulent items listed below and request their immediate removal from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. XXXX. Violations : XXXX. 15 U.S.C. XXXX Section XXXX A : I have the right to privacy. 
XXXX. 15 U.S.C. XXXX Section XXXX A, Section XXXX : A consumer reporting agency can not furnish an account without my written instructions. 
XXXX. 15 U.S.C. XXXXc ( a ) ( XXXX ) : No consumer reporting agency may make any consumer report containing adverse items of information that predate the report by more than XXXX years. 
XXXX. 15 U.S.C. XXXX ( a ) ( XXXX ) : A person shall not furnish any information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate. 
Remove Unauthorized Fraudulent Accounts : XXXX. XXXX XXXX ( XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$5000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$5000.00} Legal Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Sections XXXX & XXXX. If your company fails to comply, I will be required to take legal action, including a potential small claims suit, if you do not respond satisfactorily within XXXX  days of receipt of this certified letter. 
Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Identity Theft Affidavit XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To : TransUnion XXXX Equifax XXXX & Experian Date : XX/XX/XXXX Subject : Identity Theft Affidavit and Request for Removal of Fraudulent Information I, XXXX XXXX XXXX hereby declare that I am a victim of identity theft. I am challenging a dispute with the FTC report regarding the fraudulent items listed below and request their immediate removal from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. XXXX. Violations : XXXX. 15 U.S.C. XXXX Section XXXX A : I have the right to privacy. 
XXXX. 15 U.S.C. XXXX Section XXXX A, Section XXXX : A consumer reporting agency can not furnish an account without my written instructions. 
XXXX. 15 U.S.C. XXXXc ( a ) ( XXXX ) : No consumer reporting agency may make any consumer report containing adverse items of information that predate the report by more than XXXX years. 
XXXX. 15 U.S.C. XXXX ( a ) ( XXXX ) : A person shall not furnish any information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate. 
Remove Unauthorized Fraudulent Accounts : XXXX. XXXX XXXX ( XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$5000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$5000.00} Legal Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Sections XXXX & XXXX. If your company fails to comply, I will be required to take legal action, including a potential small claims suit, if you do not respond satisfactorily within XXXX  days of receipt of this certified letter. 
Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation