vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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 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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
I received a bill from Montgomery Ward indicating I owed roughly {$170.00} for an unlisted product or service. The documents indicated a credit card or credit account had been opened in my name, which, of course I did not open or authorize. 

I called the Montgomery Ward to notify them that this was fraudulent. I encountered multiple layers of robo-operators, some of which simply hung up on me before asking me questions or allowing me to explain the purpose of my call. I did finally connect with a human, and they allegedly intend to send me documentation showing that the account has been declared fraudulent. I recorded the conversation for my records and any future legal action. I still have yet to receive that documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute several inaccuracies on my credit report that were provided by your agency. After reviewing the information, I have identified the following issues that need immediate removal under the Fair Credit Reporting Act ( FCRA ) : First, the addresses listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX are incorrect and have never been associated with me. As per FCRA 605 ( a ), outdated or incorrect addresses must be removed from the credit file as they do not reflect my actual residential history. These addresses are causing confusion, and I respectfully request that they be investigated and removed, as required by FCRA 607 ( b ), which mandates the maintenance of accurate information in consumer credit reports.Second, I am disputing XXXX unauthorized inquiries listed on my credit report. These inquiries are from XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I did not authorize these inquiries nor initiate any credit applications with these institutions. As per FCRA 604 ( a ), a credit report can only be accessed for a permissible purpose, and these inquiries were made without my consent, violating FCRA 607 ( b ), which requires accurate reporting of credit inquiries. Inquiries made without authorization or for an impermissible purpose must be removed immediately from my credit report.Additionally, I would like to point out that FCRA 609 ( a ) ( 1 ) grants me the right to know all information being reported about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account was opened with out my authorization. i am submitting an idenity theft report under 605bb please block and remove this tradeline and notify the furnisher 's immediately XXXX acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$11000.00} status : COLLECTION * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX  / acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance status * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report RADIUSGLOBAL acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$2300.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  acct number XXXX XXXX XXXX XXXX  XXXX reported balance {$250.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX acct number XXXX XXXX XXXX XXXX XXXXXXXX reported balance {$1900.00} status : COLLECTION * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 

My family and I are moving across the country for a job, and I am having trouble being approved for a rental home, or a mortgage, because this is dragging down my credit a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
I am submitting this complaint because my credit report shows eight inaccurate and unauthorized hard inquiries that I did not authorize or initiate. These include inquiries from XXXX XXXX on XX/XX/, XXXX XXXX XXXX on XX/XX/, XXXX XXXX XXXX on XX/XX/, XXXX XXXX on XX/XX/2025, XXXXXXXX XXXX XXXX on XX/XX/, XXXX XXXX XXXX  on XX/XX/, and two inquiries from XXXX on XX/XX/2025. I did not submit any credit applications or provide consent for these companies to pull my credit, and I have no relationship with several of these entities that would justify these inquiries. These inaccurate entries are negatively impacting my credit report, and despite my efforts to resolve the issue through the credit bureaus and the lenders, the inquiries remain on my file and continue to cause harm.

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 2025-11-21 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: NC

Complaint narrative:
In accordance whit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

The accounts bellow have violated my rights.

15 U.S.C. 1681 section 602A, States I have the rights to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts bellow : XXXX XXXX : XXXX XXXX CARD : XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/year> State Employees Credit Union XXXX. XXXX XXXX XXXX, NC XXXX Re : Validation Request Account # XXXX To Whom It May Concern, I, XXXX XXXX, dispute SECU-reported Account # XXXX. 

Provide : XXXX. Original signed loan/credit agreement/Chain of Assignment Contract 2 . Proof SECU owns and is authorized to report this account. 
3. Full payment history, including : Ledger showing every payment Interest/fees Charge-off information 4. Date of delinquency and date of last payment. 
5. Balance calculation documentation. 

Email results to XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened an auto loan with Chase in XX/XX/year> and was approved for the the loan on XX/XX/year>. 

After approval, I never received auto loan servicing information, including payment instructions. After receiving a credit report notice on XX/XX/year> that I was more than 30-days delinquent on the auto loan, I called Chase Auto loan to inquiry about the matter and they indicated to me that the mailing address on file was incorrect and did not match the mailing address on my other Chase accounts. They also verified that the payment instructions were never delivered. Note that I have been an existing Chase customer for well over 15 years and repeatedly check my chase.com online account to stay current with all of my loan repayment obligations. My chase.com account did not show that I had a Chase auto loan with Chase nor did it show that I had any loan repayment obligations with Chase at any time. 

I initiated repayment on the loan immediately to pay the outstanding balance that was due. 

I requested that the loan repayment history be corrected such that I should not be responsible for the late payment, any interest or fees that accrued, as well as a correction about my credit repayment history that would be updated with all third-party credit bureaus receiving information about my Chase auto loan. I was denied these requests on the phone and was told to take the matter up with the credit bureaus directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: KS

Complaint narrative:
When trying to close my wife 's account, she was told to withdraw the remaining funds to close the account. We tried multiple times to withdraw the funds and close the account, but encountered technical difficulties with them on the app and online. We have also been getting charged for the app we have been trying to get closed for over 2 years now, and it is {$19.00} every month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am writing to follow up on my previous correspondence from XX/XX/XXXX, regarding Shellpoint Mortgage recast of my mortgage loan payments and unpaid property taxes. And if you could please forward me the Shellpoint Mortgage Tax Department information or email contacts. 

As of XX/XX/XXXX XXXX XXXX XXXX XXXX. Has not received the remaining balance of {$1600.00} and has not posted to my account. 

I have reasonable cause to believe a violation No. 260260/ Shellpoint Mortgage Services has occurred. Such as those related to unpaid taxes for potential misconduct of unpaid taxes for years XXXX and XXXX. 
My complaint was opened for unpaid taxes on property : XXXX XXXX XXXX XXXX, XXXX with Shellpoint Mortgage Services as of 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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
My cousin received a text message tonight from a company called XXXX XXXX XXXX XXXX. We are both unsure how they even got his number. He changed his number a while back. But they sent him a text message about 18 payments of {$43.00} to resolve a debt with Milestone MC. The other question is why the XXXX company is even reaching out to period considering Milestone still calls and just sent me an email today. They also sent him a link to directly view my information. I will attach the screenshot of the text he received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The credit furnisher is reporting inaccurate, incomplete, and inconsistent information on my credit report. The XXXX account shows conflicting dates, duplicated dispute remarks, missing payment history, and incorrect reporting for a closed account. The account was marked closed on XX/XX/XXXX, but continues to be updated as if active, including a XX/XX/XXXX reporting date. This violates FCRA accuracy standards ( Sections XXXX, XXXX, and XXXX ). 
I have requested verification, but no documentation or proof of the debt has been provided. I am requesting the CFPB to mandate a full reinvestigation and deletion of this unverified and inaccurately reported account.

Company response to consumer: Closed with explanation