vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I am filing this complaint regarding a charged-off credit card account reported by XXXX XXXX XXXX  on all three of my credit reports ( TransUnion, Experian, and Equifax ) XXXX The account shows a {$590.00} balance with a {$400.00} credit limit, and is listed as charged off with derogatory remarks including profit and loss write-off. 

On XX/XX/year>, I sent formal dispute letters under FCRA 609 to each credit bureau requesting verification of this account. I specifically requested the following : A copy of the original credit card agreement bearing my signature A complete accounting of how the {$590.00} balance was calculated Documentation proving XXXX XXXX authority to report this debt Proof of compliance with my fraud alert protections To date, I have received no documentation or verification from any party. Despite this, the account continues to be reported as accurate and marked as dispute resolved even though it was never actually verified. 

Additionally, I have an extended fraud alert on my credit profile. Under FCRA 605A, XXXX XXXX and the credit bureaus were required to contact me directly and verify identity before verifying or updating disputed derogatory information. This never happened. 

Harm Experienced : This account has negatively impacted my credit score Ive experienced credit denials and increased interest rates The derogatory status has caused emotional distress and financial instability Requested Relief : I am requesting the immediate deletion of this XXXX XXXX XXXX  account from all credit reporting agencies for the following reasons : Failure to verify the debt within the timeframe required under FCRA 611 No supporting documentation provided under FCRA 609 Continued reporting of disputed data without resolution or contact, in violation of 605A The account is damaging, unverifiable, and improperly maintained Attached to this complaint is my original dispute letter dated XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally raise a complaint regarding Experians improper handling of a credit dispute I filed on XX/XX/XXXX, concerning late payment entries on my account with SYNCB/CARECREDIT ( Account fully paid and closed ). 

This account had previously reported XXXX, XXXX, XXXX, and XXXX late payments for XXXX through XXXX XXXX period during the height of the XXXX pandemic. Given the extenuating circumstances and payment difficulties at that time, I reached a resolution with the creditor ( SYNCB ), and the account was eventually paid in full. The creditor has agreed to cancel the dispute comment and acknowledged my good-faith efforts. 

However, Experian concluded the investigation in just XXXX ( XXXX ) days, which raises serious concerns about whether a proper and thorough investigation was conducted in accordance with FCRA ( Fair Credit Reporting Act ) guidelines. 

Even worse, instead of correcting the disputed information, Experian added a duplicate or additional XXXX late payment entry for XX/XX/XXXX, which is not only inaccurate but further damaging to my credit profile. This action has exacerbated the issue instead of resolving it. 

In contrast, TransUnion conducted a proper investigation of the same dispute and removed the derogatory marks from my credit report based on the evidence and creditor feedback.

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 2025-06-25 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:
This letter serves as my formal dispute of several fraudulent accounts currently listed on my credit report. I did not authorize, open, or use any of these accounts, and they do not belong to me. Their presence is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX URGENT Identity Theft Block & Removal of Fraudulent Accounts ( FCRA XXXX ) This letter is a formal demand under FCRA 605B for the immediate blocking and removal of fraudulent, inaccurate, and unauthorized information from my Equifax credit report. I have already reported this identity theft to the Texas XXXX Attorney General, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). 

Consumer Information - XXXX XXXX XXXX XXXX Social Security Number : XXXX ( full SSN provided in actual correspondence ) - Date of Birth : XX/XX/XXXX Fraudulent Accounts & Inquiries to Be Removed The following accounts and inquiries were not opened, authorized, or initiated by me and must be deleted from my file : Fraudulent Accounts : - XXXXXXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX : Capital XXXX ) - Capital XXXX Credit Card ending in XXXX 120 days XXXX ( not mine ) - XXXX XXXX XXXX XXXX ending in XXXX 103 % XXXX usage - XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX, 100 % utilization - XXXX XXXX Charge Card ending in CLGB XXXX late payments - XXXX XXXX XXXX Charged Off account XXXX XXXX {$13000.00} - Associated Credit Union Account XXXX {$0.00} XXXX XXXX listed twice ) Fraudulent Hard Inquiries : - OneMain XX/XX/XXXX - Reprise Financial XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - Evolve Sparrow Financial XX/XX/XXXX Impact and Urgency Due to these unauthorized entries, my credit scores have suffered significant damage : - XXXX Score XXXX : XXXX ( as of XX/XX/XXXX ) - Auto Score XXXX : XXXX ( as of XX/XX/XXXX ) This situation demands immediate correction. 

Documentation Provided The following documents are enclosed to substantiate this request : - FTC Identity Theft Report - Police complaint ( Case # XXXX, # XXXX ) - TransUnion credit report showing fraudulent accounts/inquiries - List of unauthorized entries ( clearly marked ) Required Action - Block and remove all listed fraudulent accounts and inquiries from my Equifax credit report within XXXX ( XXXX ) business days of receipt. 
- Confirm receipt of this request. 
- Provide written confirmation that all disputed entries have been blocked and resolved. 

XXXX & Legal Notice This situation has already been reported to : - Texas State Attorney General - Federal Trade Commission ( FTC ) - Consumer Financial Protection Bureau ( CFPB ) Failure to comply promptly and fully will result in further legal action. 
Contact Information & Confirmation Please send written confirmation of resolution and all correspondence to : XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
I never authorized this company to use my personal information and I have tried several attempts to dispute this collection with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

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 XXXX XXXX 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 2025-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
This company is predatory in getting students to sign up and wont allow you to be in forbearance while attending school. I have attempted several times to make it happen and was ignored each time. I am also currently in an open bankruptcy and it is not being considered as I am trying to gain control of my finances. They constantly harass me and I am tired of it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX servicemember, and PennyMac services my mortgage. My monthly mortgage payment recently increased due to what appears to be an inaccurate escrow analysis. 

I requested a full breakdown of escrow charges, including projections for property taxes and homeowners ' insurance, and have not received a clear explanation. The increase has placed an unexpected financial burden on me and my family. 

The escrow estimate may be incorrect, and I am requesting a review and correction of any overcharges or calculation errors. 

I also request that PennyMac consider any relief or adjustment that may apply under the Servicemembers Civil Relief Act ( XXXX ), due to my XXXX XXXX status. 

I have already contacted PennyMac by secure message and a formal dispute letter, with no resolution. 

Please assist by requiring the company to conduct a full review and provide a detailed, documented response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I am filing this complaint regarding a charged-off credit card account reported by XXXX XXXX XXXX  on all three of my credit reports ( TransUnion, Experian, and Equifax ) XXXX The account shows a {$590.00} balance with a {$400.00} credit limit, and is listed as charged off with derogatory remarks including profit and loss write-off. 

On XX/XX/year>, I sent formal dispute letters under FCRA 609 to each credit bureau requesting verification of this account. I specifically requested the following : A copy of the original credit card agreement bearing my signature A complete accounting of how the {$590.00} balance was calculated Documentation proving XXXX XXXX authority to report this debt Proof of compliance with my fraud alert protections To date, I have received no documentation or verification from any party. Despite this, the account continues to be reported as accurate and marked as dispute resolved even though it was never actually verified. 

Additionally, I have an extended fraud alert on my credit profile. Under FCRA 605A, XXXX XXXX and the credit bureaus were required to contact me directly and verify identity before verifying or updating disputed derogatory information. This never happened. 

Harm Experienced : This account has negatively impacted my credit score Ive experienced credit denials and increased interest rates The derogatory status has caused emotional distress and financial instability Requested Relief : I am requesting the immediate deletion of this XXXX XXXX XXXX  account from all credit reporting agencies for the following reasons : Failure to verify the debt within the timeframe required under FCRA 611 No supporting documentation provided under FCRA 609 Continued reporting of disputed data without resolution or contact, in violation of 605A The account is damaging, unverifiable, and improperly maintained Attached to this complaint is my original dispute letter dated XX/XX/year>.

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding severe violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies ( XXXX, XXXX, and/or TransUnion ) XXXX Despite multiple disputes, my credit file still contains inaccurate addresses and multiple accounts that are outdated, incorrect, or should not be reported. 
I am facing financial harm and emotional distress due to continued reporting of these inaccurate details. This is my formal request for CFPB intervention. 
Incorrect Addresses ( FCRA 607 ( b ), 609 ( c ) ( 2 ) ) The following addresses are inaccurate and never belonged to me. They were previously disputed but remain on my report, violating FCRA 607 ( b ), which requires reasonable procedures to ensure maximum possible accuracy : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These incorrect addresses raise concern about mixed or merged credit files. I am requesting immediate deletion as they misrepresent my identity and credit history. 
Impact and Harm : Due to the continued inclusion of inaccurate addresses and multiple unverified or false accounts, I am : Being denied access to credit, housing, and employment opportunities. 
Suffering from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Spending hours disputing without any meaningful resolution. 
Laws Violated : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy. 
FCRA 611 : Right to dispute and correct information. 
FCRA 609 ( a ) ( 1 ) : Right to know whats in your file. 
FCRA 623 ( a ) : Responsibilities of furnishers of information. 
FDCPA 809 ( b ) : Right to debt validation. 
FCRA 605 ( a ) : Reporting period limitations. 
Resolution Requested : XXXX. Immediate deletion of the wrong addresses listed. 
XXXX. Deletion or correction of all listed disputed accounts. 
XXXX. Full reinvestigation under FCRA with proper documentation and results. 
XXXX. A written response outlining all actions taken by the credit bureaus. 
XXXX. Assurance of compliance with FCRA and FDCPA moving forward. 
Final Note : I am a consumer with rights under federal law. I am asking the CFPB to intervene immediately, as the credit bureaus and furnishers have repeatedly failed to act in good faith. This situation is deeply affecting my livelihood and peace of mind. 
Thank you for your attention and commitment to consumer protection.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp
State: AR

Complaint narrative:
CAC FINANCIAL CORP # XXXX Im unaware of this debt and did not get the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must- ( 1 ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( i ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately. 

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 2025-06-25 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: LA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must- ( 1 ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( i ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 am writing to dispute a hard inquiry listed on my credit file that I did not authorize or initiate. I have verified that I did not apply for credit with any party related to this inquiry and therefore believe it to be erroneous or potentially fraudulent. The FCRA protects consumers from unauthorized access to their credit reports. An inquiry that was made without a permissible purpose or without my explicit permission must be removed as it misrepresents my credit activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
Please accept this letter as a formal dispute regarding multiple accounts reported on my credit file that I did not open or authorize. I believe these are fraudulent entries that may have resulted from identity theft.

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 2025-06-25 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:
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 non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief