vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy Federal Credit Union is reporting a charged-off loan account that continues to display recurring CO ( charge-off ) notations each month. This may constitute re-aging of the debt, which violates Metro 2 standards. In addition, the Date of First Delinquency ( DOFD ), Date Opened, and Date of Last Activity ( DLA ) are either missing or inconsistent across credit bureaus. These reporting failures are not in compliance with FCRA 623 ( a ) ( 5 ).

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 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My soon to be ex husband, XXXX XXXX XXXX, has been committing identity theft, mortgage fraud, tax fraud and tampering with my bank accounts. 

Mr Cooper has refused to properly secure my account and stop my ex from accessing and tampering with my account, payments and tax forms. 

I have been requesting help from XXXX XXXX executive office or office of the president and have not been able to contact or have them work with me to secure my acccount. I had an inappropriate conversation with XXXX from fraud, just today around XXXX PST, who proceeded to ruthlessly mock me and my experiences of XXXX XXXXXXXX over the phone on XX/XX/year>. I have attempted for more than a month to get in contact with the executive office and they refuse to help in any way or take action to stop the identity theft.

I need help with this fraud situation and the person who should have helped, XXXX, not only hung up on me TWICE, he also proceeded to mock me aboutcalling XXXX and protect me and nastily told me he could call the police for me if I am in danger mocking a DV survivor is morally bankrupt and should result in his termination, frankly. 

These calls must be reviewed and I want to file a formal grievance against XXXX, I need a single point of contact, a full investigation into the co borrowers conduct, copies of the phone calls from today and the last 4 months and to have my account segregated from the co borrowers account. To protect me from further identity theft issues, since Mr Cooper has refused to secure either account ( I have two mortgage accounts ) There is a current law enforcement investigation with local police, the DOJ and FBI involved due to the extensive identity theft hes been committing for nearly 17 years now. Most recently he attempted to enroll me in a mortgage forgiveness program to attempt to further destroy my credit. Recently he submitted my mortgage expenses from my business account payments to Mr Cooper to the IRS and fraudulently claimed these payments were made by him to evade taxes on his law firm significant income. He is an attorney and has used his position to obtain information that he has no legal right to access and tampered with my bank accounts and credit in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : XXXX XXXX XXXXXXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.

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 2025-04-05 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: TX

Complaint narrative:
I previously filed a formal complaint with the Identity Theft regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the Identity Theft Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXLegal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthoriz

ed inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX is contacting the Consumer Financial Protection Bureau in regards to a fraud / refund of $ XXXX from XXXX XXXX for the services listed by XXXX XXXX. She is sending a demands letter to the company XXXX XXXX and would like support in reversing the charges on her XXXX XXXX Account - as she did authorize, however services were never delivered and the company was found out to be fraudulent. 

Please see demands letter from XXXX XXXX : XXXX XXXX has informed us that the contract signed to help scale her agency required two months to obtain funding, and if not accomplished, XXXX XXXX would refund the initial investment of {$2000.00}. Two months passed and XXXX XXXX did not receive any funding. Consequently, XXXX XXXX requested the refund months ago and emphasized the request to due a financial emergency. However, XXXX XXXX has refused to communicate with XXXX XXXX who have since discovered XXXXXX/XX/XXXX bad reputation of failing to meet financial obligations. 

Accordingly, this law firm demands that XX/XX/XXXX return the {$2000.00} to XXXX XXXX within twenty days of the date of this correspondence. From the information provided to this office, XXXX XXXX breached its contract with XXXX XXXX by failing to provide any of the agreed-upon services. The failure to provide the services also constitutes a breach of the implied covenants of good faith and fair dealing towards XXXX XXXX by depriving her of the benefits of the contract. DK Closers also fraudulently induced XXXX XXXX into entering the contract by representing that it would assist her in expanding her marketing agency when XXXXXX/XX/XXXX had no intention of doing so.

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 2025-04-05 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:
I would like to raise a complaint against Experian, Equifax, and Transunion this account " XXXX '' thid alleged debt I request a validation of debt such as a signed contract ONLY if this can't be given I ask that Experian, Equifax, and Transunion remove this account from my report. there are many inaccuracies based on this account is being reproted to each credit agency which is a violation of the FCRA. It shows the account is reporting a 1 month term, The balance has been updated XXXX XXXX after being closed, also being sold to debt collectors multiple times It states the original balance is the same as the pastdue amouny whoch doesn't make any sense but where it states XX/XX/year> days late it reports as 0 how am I allegedly late but it's reporting O late payments. This account has been sold to XXXX, and XXXX which responded to my complaint I'll share below which states " XXXX has received and reviewed XXXX XXXX complaint and appreciates the opportunity to respond. An account under XXXX XXXX name and personal information was placed with our office by our client to make collection efforts on their behalf. Based on XXXX XXXX dispute, and request for validation documentation, XXXX ceased collection efforts, returned the account to our client, and notified them of XXXX XXXX complaint and validation request. Further, XXXX has not reported the subject debt to the credit reporting agencies and is therefore unable to modify any reporting related to the subject debt. Our client ( XXXX ) has advised us that to resolve this matter they are terminating collection efforts on the debt. If XXXX XXXX has any further questions or concerns, please contact our Compliance department at XXXX. Sincerely, XXXX XXXX '' but they are still attempting to collect this Alleged debt they claim I owe. I ask for a validation of debt such as SIGNED CONTRACT with MY SIGNATURE ONLY. XXXX has violated the FCRA US Code 18 USC 894, also the FDCPA is being violated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
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. 

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 XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here us the items I am asking to verify as accurate : XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
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. 


List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2025-04-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 



I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX - XXXX  - XX/XX/XXXX - {$23000.00} XXXX - XXXX XXXXXXXX - XX/XX/XXXX - {$3900.00} XXXX - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$420.00} XXXX - XXXX  XXXX XXXX XX/XX/XXXX - {$4200.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX XXXX XX/XX/XXXX - {$960.00}

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 explanation
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 



I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX - XXXX  - XX/XX/XXXX - {$23000.00} XXXX - XXXX XXXXXXXX - XX/XX/XXXX - {$3900.00} XXXX - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$420.00} XXXX - XXXX  XXXX XXXX XX/XX/XXXX - {$4200.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX XXXX XX/XX/XXXX - {$960.00}

Company response to consumer: Closed with non-monetary relief