vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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 am filing this complaint to dispute an inaccurate and unauthorized collection account reported by XXXX XXXX XXXX ( XXXX ) on my credit reports with Experian, Equifax, and TransUnion. 

Account Details : Collection Agency : XXXX XXXX XXXX XXXX : {$1800.00} Account Number : XXXX Nature of Dispute : No knowledge of debt / No contractual relationship / No prior notice Basis of Dispute : I have no contractual relationship with XXXX XXXX XXXX and have never been notified of this alleged debt by them. I only discovered this collection account after reviewing my credit reports. This tradeline was placed on my reports without my knowledge, consent, or verification, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires data furnishers and credit reporting agencies to maintain maximum possible accuracy.

Further, under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute the accuracy of this item. I have also submitted a direct dispute to XXXX XXXX XXXX under FDCPA 809 ( 15 U.S.C. 1692g ) requesting proper validation and documentation of this alleged debt, including proof of assignment, account history, and a signed agreement bearing my name. To date, no such documentation has been provided. 

The continued reporting of this unverified and potentially fraudulent account is damaging my credit profile and may cause financial harm. I am formally requesting that all three credit bureaus Experian, Equifax, and TransUnion immediately : Initiate a reinvestigation under FCRA 1681i ; Require the furnisher ( XXXX XXXX XXXX ) to provide full documentation of the alleged debt ; Permanently delete the account from my credit reports if validation can not be provided within the statutory period. 

If the account is not promptly deleted or corrected, I will pursue all legal remedies available under the FCRA and other applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  XXXX NA Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : 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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Credit card company called me and it displayed XXXX, but it was Concora Credit card services. They willingly and purposely used the call tag XXXX, which is a healthcare company of XXXX. They are using deceptive means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C 1681 ( a ), which states that consumers reporting must be fair, accurate, and respect the privacy of consumers. My credit report contains several inaccuracies that violate the purpose and specific provisions of the FCRA : 1. Accounts that were closed are now being reports as late and sent to collections after closure, which is misleading and damaging to my credit history. 2. Incorrect personal information, such as invalid or outdated addresses and names appear on my credit report, which raises concerns about identity mix-ups or potential file merging errors. U.S.C 1681i and U.S.C 1681s-2 These issues appear on my reports from Experian, Equifax and Transunion. I have attempted to dispute these items through the credit bureaus directly but have not received a satisfactory resolution. I'm requesting the removal or correction of the inaccurate collections, late payments, and deletion of invalid personal information from my credit file. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 was not notified about these potentially fraudulent inquiries. Immediate attention is required. Supporting documents included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference numbeXXXX XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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

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 2025-07-16 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference numbeXXXX XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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

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 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
I am disputing a medical collection reported by Americollect Inc on my XXXX  credit report. The original hospital bill was from XXXX for around {$500.00}. Americollect is now reporting the balance as {$1000.00} and claiming the account was opened in XX/XX/XXXX, which is false and a re-aging of the debt. This violates the Fair Credit Reporting Act. The collection is not reported on XXXX  or XXXX  and should be removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$770.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$150.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This is a Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X, 12 CFR 1024.35. I'm telling you about a mistake in how you handled my mortgage loan. Please treat this as a formal notice of error and respond within the time the law says you must. 

On XX/XX/scrub> 2025, you denied my complete loss mitigation application. You said it came in too close to the foreclosure sale set for XX/XX/scrub> 2025, and you didn't have enough time to review it before the sale. 

That denial was a mistake and happened too soon. The judge rescheduled the sale to XX/XX/year>2025. When the judge canceled the old sale date, for a while there was no foreclosure sale scheduled at all. The rules in 12 CFR 1024.41 ( b ) ( 3 ) say that if no foreclosure sale is scheduled when you get a complete application, it's treated like it was received more than 90 days before any sale. That gives me the maximum protections, like a full review and appeal rights. Even after the new date was set, those protections stay in place, as the official notes to the rules say in Supplement I, comment 41 ( b ) ( 3 ) -1 and -2. Now, with the new date, there are more than 37 calendar days from when you got my application ( around XX/XX/year>2025 ) to XXXX XXXXthat 's about 51 calendar days. By not putting my application back and keeping the sale going, you are doing dual tracking, which breaks the rules in 12 CFR 1024.41 ( g ). You can't move ahead with selling my home while my request for help is still waiting.

The rules in 12 CFR 1024 say you have to take fair steps for loss mitigation and fix errors like this. My application was complete when you got it. With the rescheduling, you must treat it as if it was sent more than 90 days before the sale and follow the full review process. You can't go forward with the sale until you finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} LXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is a formal consumer complaint against Bank of America regarding the improper closure of a financial account due to alleged late payment, which contradicts evidence in my possession. Despite attempts to access and service the account, Bank of America has disabled my login privileges, thereby denying me reasonable opportunity to cure or investigate the alleged delinquency.

Yet, the account remains reported as open on my consumer credit report, causing confusion. This conduct violates contractual and fiduciary duties, and constitutes a form of commercial bad faith under common law.

Additionally, I suspect that Bank of America may have retaliated or acted adversely due to my prior filing of IRS Form 1099-OID, which was submitted to reflect potential malfeasance and irregularities associated with the account. Such reporting was intended to document financial treatment inconsistent with proper fiduciary conduct and may have triggered Bank of America 's improper closure or restriction actions.

- I held an account with Bank of America, which I used responsibly and in good faith.

- I discovered an alleged late payment listed on my credit file date XX/XX/year>. Upon review of my payment history, no recent evidence to support the closure due to late payment. 
- I attempted to log into the Bank of America online portal to resolve or pay the account, but access has been blocked without cause or notification. 
- The account is still listed as open on XXXX  and XXXX, suggesting ongoing liability and misleading account status to third parties. 
- This false reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and common law duties of good faith and fair dealing.

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 2025-07-16 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, XXXX XXXX, am writing to formally notify you that I am a victim of inaccurate or unauthorized reporting on my consumer credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, I am requesting the prompt review and correction/removal of the following outdated, inaccurate, or fraudulent information 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I, XXXX XXXX, am writing to formally notify you that I am a victim of inaccurate or unauthorized reporting on my consumer credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, I am requesting the prompt review and correction/removal of the following outdated, inaccurate, or fraudulent information 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

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