vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NV

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> RE : FORMAL REBUTTAL TO VERIFIED RESPONSE DEMAND FOR METHOD OF VERIFICATION & IDENTITY THEFT RE-BLOCK To Whom It May Concern, This letter serves as my formal rebuttal and escalation to your recent claim that the disputed Account XXXX XXXX were verified following my identity theft report and block request. 
Your response is legally insufficient and non-compliant with the Fair Credit Reporting Act ( FCRA ). 

I previously submitted : A valid identity theft affidavit A request for block and removal Supporting documentation as required by law Despite this, you improperly marked the account ( XXXX ) as verified without providing : Any method of verification Any certification of reinvestigation Any proof of consumer authorization VIOLATIONS OF FEDERAL LAW Your actions now place Equifax in direct violation of the following : 15 U.S.C. 1681c-2 ( a ) & ( c ) Once identity theft is alleged with proper documentation, you are required to Block the information within 4 business days not verify 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) You must provide the method of verification, including : Name of the furnisher Contact information How the verification was conducted 15 U.S.C. 1681e ( b ) You must follow maximum possible accuracy. Verification without documentation violates this duty.

15 U.S.C. 1681s-2 ( b ) If the furnisher failed to conduct a reasonable investigation, the account must be deleted. 
15 U.S.C. 1681n & 1681o You are now exposed to civil liability for willful and negligent non-compliance. 

FORMAL DEMANDS You are now REQUIRED to do XXXX of the following within 15 days : OPTION XXXX PROVE IT Provide : Full method of verification Name, address, and phone number of the furnisher Copy of the actual consumer-signed agreement Proof of payment history authorization Proof of identity match verification OPTION XXXX DELETE IT If you can not produce the above, you are required by law to : DELETE the account immediately Cease all reporting Notify all data furnishers Send written confirmation of deletion NOTICE OF INTENT TO ESCALATE If Equifax fails to comply, I will immediately file formal complaints with : CFPB ( Consumer Financial Protection Bureau XXXX Federal Trade Commission XXXX FTC ) State Attorney General Civil Litigation for statutory damages of {$1000.00} per violation This letter is your final opportunity to correct this matter without legal enforcement. 
I expect written compliance confirmation immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NV

Complaint narrative:
I am filing a complaint against Self Financial ( Self / Lead credit builder account ) for reporting inaccurate and inconsistent late payment information to the XXXX major credit bureaus. 
This account shows different late payment histories across XXXX XXXX XXXX XXXX which violates the FCRA requirement that furnishers report information that is accurate, consistent, and verifiable. 
Specific inaccuracies include : Number of late payments differs XXXX  reports XXXX late payment XXXX reports XXXX late payment XXXX reports XXXX late payments Late payment months are inconsistent XXXX  lists a single XXXX late in XX/XX/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  installment, XXXX XXXX XXXX XXXX  Closed Current, XXXX as Secured loan Closed/paid. 
The same account must be reported identically. 
These inconsistencies violate : FCRA 607 ( b ) Duty to report information with maximum possible accuracy FCRA 623 ( a ) ( 1 ) Prohibition of furnishing information known to be inaccurate FCRA 611 / 623 ( b ) Failure to properly investigate disputed information The account is paid and closed, and Self Financial has failed to provide any documentation verifying the delinquency dates or to correct the inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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 2025-12-02 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 wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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 2025-12-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

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 2025-12-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am disputing an inaccurate late payment that Navy Federal Credit Union is reporting on my credit file. My credit report shows a XXXX late payment for XX/XX/year>, but this information is false and not supported by my actual payment history. 
According to my credit report : XXXX  shows a XXXX late in XX/XX/year>. 
XXXX shows a XXXX late in XX/XX/year>. 
XXXX  shows a XXXX late in a different month. 
( All inconsistent with each other and inconsistent with my real payment history. ) XXXX Credit Report & Scores I made my payments on time during this period, did not miss or skip a payment, and Navy Federal never notified me of being past due. The late payment appears to have been reported in error. 
This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) because : Under FCRA 1681e ( b ), information furnished must be accurate and consistent.

Under FCRA 1681i, furnishers must conduct a reasonable investigation when information is disputed. 
I already disputed with the credit bureaus, but Navy Federal verified the information without providing documentation or performing a reasonable investigation. Because the reporting is inconsistent across all three bureaus, this demonstrates the information is unreliable and unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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.

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 2025-12-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
After having my mortgage sold from select portfolio servicing to fay servicing on XX/XX/XXXX, on XX/XX/XXXX there mysteriously appeared a negative {$5900.00} balance. SPS put home insurance on my home without my knowledge, they said they mailed it to me but ive yet to receive that mail. There was just a negative balance, no emails or increase in monthly payment. They just added the insurance to the escrow balance each month without my knowledge. Ive since sent all relevant information to sps showing that i was covered during this time and they still wont refund the insurance they put on my home while they were servicing my loan. They said theyve called citizens and were told that policy was cancelled which is a lie, i called citizens and they said they have no records of them calling and that my policy was indeed NOT CANCELED. SO i need this mattered handle because it seems sps is too inept to handle situations of this matter. There is no getting around this, you cant purchase home without having home insurance first there are multiple resources lenders can use to see if a home is insured or not so this matters on sps doing bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit 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 2025-12-02 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Experian regarding the accuracy and completeness of several accounts appearing on my consumer credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. 

On XX/XX/year>, Experian acknowledged receipt of my dispute but refused to conduct an investigation, stating that the dispute may not have been authorized by me. This assumption is unfounded and unsupported. I personally submitted this dispute in good faith for the purpose of correcting inaccurate information that is directly harming my ability to obtain credit. 

Experians refusal to investigate appears to be a violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information after notice By rejecting my dispute without conducting a proper investigation, Experian is denying me my rights under federal law and continuing to publish potentially inaccurate information.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the XXXX step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately Account XXXX : Aldous & Associates, XXXX : {$14000.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave 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.

Company response to consumer: Closed with explanation