vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-05 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: AL

Complaint narrative:
On XX/XX/year>, I sent Equifax a formal Full File Reclamation and Status Correction Notice, accompanied by a sworn Affidavit of Standing and Subrogation. In that notice, I asserted my status as the living principal and equitable subrogee over the record associated with my name, and demanded removal or correction of all unverifiable, inaccurate, or derogatory entries. 

The notice was not a routine consumer dispute. It was a private communication grounded in equity and commerce, establishing my lawful claim and right of correction. I requested that my file be updated to reflect my status as subrogee, that unverifiable data be deleted, and that all actions be confirmed in writing. 

Equifaxs only response was a statement that my mailing address did not match their records. However, I never requested any address update. I provided a Georgia mailing address solely for return correspondence, while my permanent address remains in Alabama. I even sent in a copy of my ID and Drivers License along with a notice letting them know it was FOR IDENTIFICATION VERIFICATION ONLY. This discrepancy was administrative not substantive and should not have delayed or invalidated my requests. 

To date, Equifax has failed to provide any point-by-point response, verified affidavit, or documentation of a reasonable investigation. No corrected credit disclosure has been issued, and no record has been updated to reflect the lawful claims made in my original notice. 

I have issued a Notice of Dishonor and Demand for Remedy. I now request formal resolution, proper correction of the record, and deletion of all unverifiable or inaccurate data in good faith and full compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against CREDIT SYSTEMS INTL IN for their continued failure to address this matter appropriately. 

Account in Question : Creditor : CREDIT SYSTEMS INTL IN Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with CREDIT SYSTEMS INTL IN, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-05 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: AL

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 XXXX XXXX XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-06-05 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage is not in compliance with the requirement to process my VA loan ASSUMPTION within 45 days. In accordance with XXXX XXXX XXXX ( XXXX ), the lender has 45 calendar days to approve ( or disapprove ) a loan assumption package. I am asking that they comply with federal law as described in the referenced XXXX XXXX 

Veterans Benefits Administration Circular XXXX Department of Veterans Affairs XX/XX/year> Washington XXXX DC XXXX Noncompliance in Processing Assumptions 1. Purpose. The Department of Veterans Affairs ( VA ) is publishing this Circular to remind holders and servicers of their obligation to process assumptions and to outline for holders and servicers how VA will address failure to comply with assumption requirements. 
2. Effective Date. This XXXX is effective immediately. 
3. Background. Holders, lenders, servicers, and agents of such entities, ( hereinafter referred to as holders ) are responsible for complying with VAs statutory and regulatory program requirements regarding loan assumptions.1 In cases where a holder fails to comply with applicable requirements, such action ( s ) constitute a defense against VAs liability on account of VAs guaranty.2 a. In XX/XX/year>, VA published Circular XXXX clarifying assumption procedures. 3 As discussed in that Circular, assumptions are a fundamental feature of a VA-guaranteed loan and are to be processed according to applicable statutes and regulations.4 b. Recently, certain holders have questioned whether they are required to process an assumption that meets VAs requirements and can instead deny approval due to holder- imposed criteria ( overlays ) or other reasons. Examples include, but are not limited to, cases where : ( i ) a holder refuses to accept an assumption package ; ( ii ) a servicer with automatic authority accepts an assumption package but does not make a decision within 45 days ; 5 ( iii ) a holder without automatic authority accepts an assumption package but does not forward to VA within 35 days ; 6 ( iv ) a holder denies an assumptors application due to a holder overlay ; and ( v ) a holder denies an assumptors application, VA approves the assumption on appeal, and the holder refuses to complete the assumption due to a holder overlay or other reason.7 1 See 38 C.F.R. 36.4301.

2 See 38 C.F.R. 36.4328. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXXXXXX 
4 See 38 U.S.C. 3714 ; 38 C.F.R. 36.4303 ( l ) and 36.4340.

5 See 38 C.F.R. 36.4303 ( l ) ( 1 ) ( i ) ( C ).

6 See 38 C.F.R. 36.4303 ( l ) ( 1 ) ( ii ) ( D ).

7 See 38 C.F.R. 36.4303 ( l ) ( 1 ) ( i ) ( B ).

( LOCAL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARCO Group, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against IntelliCorp XXXX XXXX XXXX, their parent company Cisive, and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) in the reporting and use of outdated criminal conviction data. 

On XX/XX/XXXX, XXXX XXXX requested a background check from IntelliCorp/Cisive for a part-time position that pays far less than {$75000.00} annually. The consumer report included criminal convictions from XXXX, more than XXXX XXXX XXXX. 

Under FCRA 605 ( a ) ( 5 ), convictions may be reported ; however, FTC and CFPB guidance limits their use in employment decisions to roles paying {$75000.00} or more annually. Despite this, XXXX XXXX used the information to disqualify me, which I was notified of via email on XX/XX/XXXX, by XXXX XXXX, XXXX XXXX at XXXX XXXX. 

I did not dispute the accuracy of the records I disputed the legality of their disclosure and use for this specific employment purpose. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Sr. Manager of Corporate Compliance at Cisive, affirming that the records were correctly included in the report but failing to address the illegal use of that information for a low-paying job. 

The continued use of this outdated information violates federal law. I am requesting CFPB investigation into this matter and will be attaching relevant documentation, including emails, the background report, and my dispute communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I just immigrated to the United States and were in need of a car which I walk to a dealership to get a new one for commute but they end up tricking me with a old damaged engine car that I had to be in garage every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$25000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX  related to my vehicle loan. Despite this settlement, the credit reporting agency continues to report the debt as " charged-off, '' which has negatively impacted my credit score. On XX/XX/XXXX, I contacted both XXXX XXXX XXXX and Weltman, Weinberg & Reis Co., LPA, requesting validation and correction of the debt status. I provided documentation proving the settlement, yet neither company has corrected the information or provided the requested validation.

The credit reporting agency has failed to conduct a reasonable reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ), and continues to rely on inaccurate information from XXXX XXXX XXXX. Weltman, Weinberg & Reis Co., LPA has also failed to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve the issue, including formal written requests, the debt remains inaccurately reported, causing significant harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 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: TN

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$980.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$770.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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