vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

T

hese accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a borrower with XXXX XXXX XXXX My mortgage was transferred from Countrywide XXXX Bank of America XXXX then to Fannie Mae and serviced by XXXX XXXX I submitted a written dispute/loss mitigation request in XX/XX/XXXX, but XXXX failed XXXX properly respond. They misrepresented the status of documents and delayed my ability to resolve the account. 

Due to a high-conflict divorce and domestic XXXX ( now documented ), I was unaware of key servicing decisions that impacted my rights. I did not discover that the title to my home had been transferred without my knowledge until XX/XX/XXXX, long after my legal and parental rights had been compromised. My minor son was removed from my custody without warning on XX/XX/XXXX, when I was not at home a traumatic event that led me to fully investigate what had occurred with my mortgage. 

I am requesting a review of this matter and to be considered for consumer redress. I have supporting IRS XXXX forms, servicing letters, and legal documents. I believe I am XXXX of the XXXX harmed borrowers mentioned in the CFPBs XXXX XXXX XXXX. 

I believe I am XXXX of the consumers harmed by the conduct described in the XXXX XXXX Consent Order against XXXX and XXXX XXXX XXXX XXXX Im requesting review for eligibility in the XXXX XXXXXXXX redress program. I have IRS 1099-A forms and Seterus correspondence I can provide.

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 2025-07-28 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: TX

Complaint narrative:
I noticed that there were some inquiries on my credit profile that don't belong 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 2025-07-28 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: OH

Complaint narrative:
Experian isn't handeling my dispute. I was told to contact XXXXXXXX XXXX XXXXXXXX and dispute a XXXX balance, paid off, time barred account. XXXX XXXX, XXXX balance never used. They just keep money on it don't they?

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 2025-07-28 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: VA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
As these accounts were created through fraud without my consent, I request they be deleted from my credit report under USC 1681g within a 15-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I believe there's a mistake regarding the late payment. My history doesnt reflect this. Please review and correct it.

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 2025-07-28 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: SC

Complaint narrative:
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 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Please see timeline of events below : - Cancelled Auto -- policy with XXXX XXXX XXXX, XXXX - Received partial refund of greater than ~ {$300.00} once cancelled - Obtained XXXX XXXX-XXXX  to cover existing vehicles - When canceling I was not notified I had to submit in writing due to incoming Hurricane Milton affecting Florida, subsequently I lost power during this time and had no way to submit being personally affected by the storm vs XXXX being a national company - Later in XXXX XXXX reactivated the account erroneously, considering the matter as closed I did not respond to the invoice ( I cancelled with them, had auto insurance with XXXX, and had already received a partial refund ) - i had emailed XXXX stating the policy had been canceled in XXXXXXXX XXXX XXXXXXXX without response - XXXX  then proceeds to send the erroneous invoice to Credit Collections Services ( CCS ) - i contacted CCS in XXXX XXXX XXXX letting them know the debt collection was NOT legitimate, for which they stated they would handle with XXXX t

o have corrected. - Apparently this did not occur or XXXX refused to correct their error as CCS reported the supposed delinquent and derogatory debt to credit reporting agency 's dropping my credit score by more than XXXX points - I contacted XXXX for which I was instructed to email a letter stating the original cancel date and they would oblige in having the matter corrected- This was over a month ago.

- Not receiving an email or call back after a couple weeks I contacted them again, where i was then told incorrectly informed by a XXXX representative Florida law required written cancellation during natural disasters, however, if I send my XXXX  Declaration Page they would work to correct.- - Everything I am finding this to be completely inaccurate regarding auto policy cancellation in FL. I was also personally affected by the hurricane whereas XXXX is a national company- I obliged and sent both the letter stating the original cancellation date and my XXXX  Declaration page showing I had auto policy coverage during this time.

- I have yet to hear from XXXX regarding their assistance in correcting the matter.

Cancelled Policy : XX/XX/XXXX Policy Number : XXXX Credit Collection Services File ( CCS ) # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MD

Complaint narrative:
This all began when XXXX XXXX had someone on the inside of their company stealing mortgage payment from the consumer. It was so elaborate they had their own mailings and phone numbers. XXXX never corrected this and made the consumer responsible for the back payments. XXXX XXXX sold my mortgage to Selene without my knowledge and instructed them to not contact me by providing a false address and phone number located in Florida. I found Selene online from my credit report and made arrangements for a loan modification. With the help of the state of Maryland, they helped me with the paperwork filed. Selene then stated that the process will take 4-6 months with all processes on hold until resolved. Selene then contacted me to say the application was fill out wrong with Social Security benefits. This is false because Im not of Social Security age, I have XXXX XXXXXXXX benefits. I sent them the paperwork that they requested and with no warning they put my home up for sale on the XXXX XX/XX/year>. There is more detailed thing that has gone on. During COVID XXXX would not take my checks because they wanted a certified check with every bank closed and my bank not being able to send a check to a XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my phone was lost and my bank account was used for fraud and {$3000.00} was taken. They also filed false claims on my bank account. Wells Fargo closed my accounts and denied the claims i put Out for the fraud that occurred. They also added digital ATM cards to an XXXX XXXX in the state of Georgia and tried to access my funds from an ATM

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Dear CFPB, I, XXXX XXXX, am filing a complaint against Kia Finance for inaccurately reporting late payments on my credit report despite my consistent payments and documented communications with them.

Details of the Issue : - Kia Finance reported late payments for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, some showing 30- or 60-day delinquencies, which is incorrect. 
- I was XXXX XXXX XXXX XXXX XXXX and had ongoing communications with Kia Finance regarding payment arrangements. Despite this, they reported false late payments.

- I have made monthly payments, and they were either misapplied or ignored in their reporting.

Law Violations : - FCRA Section 607 ( b ) ( 15 U.S.C. Section 1681e ( b ) ) requires data furnished to be accurate and verified.

- FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be false. - 15 U.S.C. Section 1666b requires that payments be credited as of the date received.

- Under 15 U.S.C. Section 1681c-2, inaccurate or fraudulent information must be blocked or removed from a consumer 's report once disputed and verified as false.

- Kia Finance 's reporting of false delinquencies violates these federal laws.Resolution

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 2025-07-28 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: FL

Complaint narrative:
I

am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated. This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

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 2025-07-28 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

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 2025-07-28 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:
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 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 2025-07-28 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: TX

Complaint narrative:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

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 2025-07-28 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief