vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: WI

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 2025-12-04 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX. Account number XXXX i am writing to formally notify you that your continued attempts to contact me regarding the above-menioned account are in violation of the fair debt collection practices act ( FDCPA ), specifically under 15 U.S.C. 1692c, which prohibits debt collectors from contacting consumers under certain circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
On XX/XX/year> I called Freedom Mortgage to correct the Tax/Escrow as they had the wrong Parcel ID entered for our house. We were being charged for someone elses taxes. Which was costing us {$1000.00} more a month on our mortgage. I provided the XXXX XXXX paperwork showing the correct XXXX XXXX. They stated they would fix it. I called over 15 times as month after month it wasn't being fixed.Finally XX/XX/year>, 4 months of trying to fix this overpayment due to Freedom Mortgage not correcting the Parcel ID they let me know that indeed the parcel ID was wrong, the tax department corrected the taxes to properly reflect our property at {$95.00} instead of {$1000.00}. When I asked if we could get our surplus check back the lady said " well you can just leave it in the escrow account, I informed her that I wanted my additional {$6500.00}, she said it would take weeks '' I stated " This was overpayment of my money and that I needed it back and that I needed to speak to a supervisor as she was insiting I shouldn't be getting it back '' I then had to call back the next week as they didn't rerun the escrow analysis to relfect that change. They did and we got the corrected escrow analysis paperwork XX/XX/XXXX and they had adjusted our Mortgage payment and said they were sending a check of the surplus that we had paid in the amount of {$6400.00}. Then on XX/XX/XXXX they for some reason reverted everything back to charging us {$1000.00} per month for taxes and adjusted our mortgage back up to {$5300.00} instead of the corrected amount 4 days prior of {$4200.00}. I also received a message XX/XX/XXXX stating to not cash the check of our own money we overpaid as they were re-doing the escrow. We called freedom mortgage and they informed us they saw the notes that our taxes were {$95.00} but the parcel ID number was wrong as they were using the key number but had no answer of why they reverted back to the wrong amount again. They expect us to now overpay the additional {$1000.00} again for the month of XXXX and not allow our money we over paid which is {$6400.00} to come back to us and put a hold on the check. This has now gone on for almost 5 months and costing us thousands of dollars on the failure of the mortgage companies part, not to mentions hours on the phone week after week to try to resolve 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 2025-12-04 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: NJ

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 : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-04 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: TN

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NE

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX Account # XXXX I do not recognize this account and have no documentation showing that it belongs to me. I am requesting verification or removal. 

XXXX XXXX XXXX Account # XXXX This account appears to be inaccurately reported. I request verification of the balance, dates, and all supporting documents. If not verifiable, it should be deleted. 

XXXX XXXX Account # XXXX I am disputing this account as inaccurate and unverified. I have not been shown evidence that the information is correct. 

XXXX. Hard Inquiries The following inquiries were not authorized by me : XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not apply for credit with these companies. I am requesting that Experian remove these unauthorized inquiries. 

XXXX. Late Payments XXXX XXXX Account # XXXX This late payment is inaccurate. I am asking for verification of the alleged late date and amount. If it can not be confirmed through proper documentation, it should be removed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a regular consumer working to clean up my credit reports. I am requesting the CFPBs assistance to ensure that each credit bureau investigates these disputed items properly and obtains full verification from the furnishers as required under the FCRA. 
Below is a breakdown by credit bureau of the items I am disputing. 
Charged-Off Accounts XXXX  XXXX  Account # XXXX I do not recognize this account. Please provide full verification including original creditor, balance history, and proof of ownership. 

XXXX  XXXX  Account XXXX  XXXX The information is inaccurate and unverified. I request proper documentation. 

XXXX XXXX Account XXXX  XXXX I dispute the accuracy of this account. Please verify the dates, balance, and reporting. 

XXXX XXXX Account XXXX  XXXX This account is also inaccurate and requires verification or removal. 

2. Inquiries These inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not initiate these inquiries and request their removal. 

XXXX. Late Payments XXXX  XXXX Account XXXX XXXX This late payment is inaccurate. Please verify or remove it. 

XXXX Account XXXX XXXX This late payment is reported incorrectly. I request verification or removal. 

XXXX Account XXXX  XXXX This reporting is inaccurate. Please verify or remove.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist bank charge me a return item fee that they did not cover

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX, INC. account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: WV

Complaint narrative:
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX Account number XXXX i am writing to formally notify you that your continued attempts to contact me regarding the above-menioned account are in violation of the fair debt collection practices act ( FDCPA ), specifically under 15 U.S.C. 1692c, which prohibits debt collectors from contacting consumers under certain circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: WI

Complaint narrative:
It projects an inaccurate image of my financial beliefs.

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 2025-12-04 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
I am disputing the following accounts listed on my credit reports from XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). I believe these accounts contain errors and are inaccurately reported. Below is a list of the accounts in dispute, categorized by bureau. 

CHARGED OFF XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} INQUIRIES XXXX XXXX  Date of Inquiry : XX/XX/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 2025-12-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint because Experian and TransUnion are reporting inaccurate and unverifiable accounts on my consumer credit reports. I previously disputed these items directly with both bureaus, providing written dispute letters, but the accounts remain and the credit bureaus have not provided any validation or documentation proving the accuracy or ownership of the accounts. 

In my disputes, I specifically requested validation under the Fair Credit Reporting Act ( FCRA ), including physical verification of the original signed consumer contracts for the accounts listed. Despite this, more than 30 days have passed, and no proof or validation has been provided. 
( References : Experian dispute letter Proof RD1_experian, TransUnion dispute letter Proof RD1_transunion ) These inaccuracies are harming my ability to obtain credit and a mortgage for my family. 

Experian Inaccurate Accounts Reported XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation received after more than 30 days. 

XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported inaccurately ; alleged FDCPA Section 807 false/misleading reporting.

TransUnion Inaccurate Accounts Reported XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation received after more than 30 days.

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 2025-12-04 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief