vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: DE

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 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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
am submitting this complaint against XXXX  XXXX XXXX XXXX for continued violations of the Fair Credit Reporting Act ( FCRA ) after being formally notified that I am a verified victim of identity theft. 
Despite receiving notice of identity theft and supporting documentation, Equifax has continued to report fraudulent accounts and failed to perform mandatory statutory blocking required by law. 
STATUTORY NOTICE OF IDENTITY THEFT Under 15 U.S.C. 1681c-2 ( a ), XXXX  is required to block and delete information resulting from identity theft within four ( 4 ) business days of receipt of an Identity Theft Report. Reinvestigation or automated verification does not satisfy this obligation. 
DISPUTED FRAUDULENT ACCOUNTS XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX First Delinquency XX/XX/XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX First Delinquency XX/XX/XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX First Delinquency XX/XX/XXXX Last Reported XX/XX/XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX First Delinquency XX/XX/XXXX Last Reported XX/XX/XXXX CITICARDS CBNA Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX First Delinquency XX/XX/XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX First Delinquency XX/XX/XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Delinquency XXXX XXXX Last Reported XX/XX/XXXX FCRA VIOLATIONS 15 U.S.C. 1681c-2 ( a ) ; 15 U.S.C. 1681e ( b ) ; 15 U.S.C. 1681i ( a ) ; 15 U.S.C. 1681n, 1681o DEMAND FOR RESOLUTION Immediate blocking and permanent deletion of all identity-theft-related accounts listed above, written confirmation of deletion, and full future compliance with federal 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX4

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

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.

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 2025-12-22 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under XXXX XXXX of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I submitted a complaint in XX/XX/XXXX. Shellpoint responded, claiming that they were attaching a Security Coop Agreement that shows a requirement for Betterments and Improvements, referencing Section 12 Default H. 

No such document was attached. I've asked for the past year for them to justify placing LPI without prior notification. Their justification has changed over time, but now hinges on a document they said they sent me, but didn't. All they did send was letters showing that they didn't inform me of an HO6 requirement until XX/XX/XXXX, but made it retroactive to 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 2025-12-22 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: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ CREDIT BUREAU ] immediately block and permanently remove multiple fraudulent accountsCollections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction. The fraudulent accounts include : a Collection at XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$420.00} ), an Auto Loan at XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5900.00} ), a Collection at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$290.00} ), a Collection at XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} ), and a Collection at XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, {$9600.00} ). I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) and supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. I demand these items be blocked and permanently removed from my credit report. I am filing this FTC Identity Theft Affidavit to report five ( 5 ) fraudulent accounts on my consumer FICO TransUnion credit report that I do not recognize and that resulted from identity theft. These include : XXXX ( acct XXXX XXXX XXXX XXXX XXXX  ) opened XX/XX/XXXX for {$420.00} ( collection ) ; XXXX XXXX  ( acct XXXXXXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX for {$5900.00} ( auto loan ) ; XXXX ( acct XXXXXXXX XXXX XXXX XXXX XXXX  ) opened XX/XX/XXXX for {$290.00} ( collection ) ; XXXX XXXX ( acct XXXX XXXX XXXX XXXX XXXX  ) opened XX/XX/XXXX ( collection ) ; and XXXX XXXX ( acct XXXXXXXX XXXX XXXX XXXX XXXX  ) opened XX/XX/XXXX for {$9600.00} ( collection ). These accounts caused unauthorized collections and negative reporting. I demand immediate removal of all listed items and cessation of all related collection activity pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
Our mortgage was sold multiple times since it originated XX/XX/XXXX of XXXX. Now this company, Loancare, holds the mortgage. We have an Illinois XXXX Property Tax Exemption that fully exempts us from paying Illinois property taxes as I'm a 100 % XXXX XXXX XXXX XXXX, permanent and total. XXXX XXXX approved the exemption XX/XX/XXXX. Loancare has copies of our exemption status with the county and our last property tax bill that was sent out and paid last month. With all this information available, the mortgage company updated our escrow but only lowered the escrow payment a paltry amount and is still charging us {$560.00} in property taxes that we don't owe every month. This amount should be {$0.00}. We filed a complaint with the XXXX XXXX XXXX as well but the only thing to come of that is yet another escrow analysis that failed to reach out to XXXX XXXX, the state of Illinois, or the VA to verify our exemption status. We have been living in this house and paying this mortgage for more than 16 months. It is past time for this tax escrow to stop.

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 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I called XXXX to request the internet service. The internet was installed on XX/XX/XXXX, however, after XXXX days usage, we were not happy with the coverage. I called the XXXX, and was told we would only be charged by the days we used the services, so we decided to terminate their services. It was officially terminated on XX/XX/XXXX. Later, I received a {$180.00} bill. I reached out to XXXX and told them this was not supposed to be, and tried to seek for a solution. XXXX representatives told me they would escalate to their XXXX and come back to me. I never heard back from them neither via email nor via calls. I reached out to them again and repeated the same stories multiple times, still not result. Later, I realized XXXX kept notify my credit bureau, and my credit score dropped more than XXXX, only because of the XXXX bills. Again, I tried to reach out to XXXX, again, no solution. Later, I got an email from debt collector Credit Control LLC. who offered {$60.00} for settlement. I tried to protect my credit, and paid for that, which I didn't think I should. I called XXXX and tried to dispute the claim and tried to repair my credit. XXXX representatives can see and tell I have always been keeping my credit in good shape XXXX. and my bank account has enough balance. It was only because the XXXX bill that messed up my life. XXXX still suggested I should reach out to XXXX and provided me with the numbers. However, every time I called, XXXX redirected my number to debt collector. Debt collector Credit Control LLC. said they had nothing to do with me because I paid the settlement. Now, I'm in a dead circle to solve this issue. The debt collector didn't follow the rules to dispute my XXXX record. 

It took me XXXX months, now my credit caught up to XXXX. However, I'm trying to do my mortgage refinance. My mortgage XXXX XXXX pulled out the report. The XXXX issue is still there. I'm very upset about the debtor collector 's failure to dispute my XXXX issue. I would like to seek immediate actions to repair my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am disputing the following account on my Equifax credit report as it contains inaccurate information : CHARGED OFF XXXX  XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX, Date : XX/XX/XXXX LATE PAYMENT XXXX  XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: IN

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 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am a HSBC Premier member with account # XXXX for 15 years plus. 

One of my HSBC joint checking account # XXXX, which I opened in XXXX with my daughter XXXX. As a HSBC premier member, we were told the monthly fee is waved as long as I maintain my HSBC premier status. 

But since XX/XX/XXXX, the account # XXXX has been charged XXXX XXXX monthly fee without give us an advanced notice ( by email or by phone ). 

I have visited HSBC branch office on XX/XX/XXXX, the branch officer only has limited authority to access my account history. So I was put on a call with HSBC head office. The representative on the phone promised will get back to me if I am intitled to get fee refund and what's the next steps to avoid fees such as closing the account. 
But I have not received any response from HSBC since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief