vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this complaint because the credit reporting agencies TransUnion, Experian, and Equifax continue to report outdated and unverified personal identifiers on my credit files even after I mailed full proof of my current legal identity and residence. 

My mailed dispute included a copy of my U.S. Passport Card, Marriage License, and a recent utility bill, which clearly establish my current legal name ( XXXX XXXX XXXX ) and my present address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ). Despite receiving these documents, the bureaus have failed to delete multiple former names, obsolete addresses, and outdated phone numbers that no longer apply to me.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Outdated or unverifiable identifiers are not accurate and create risk of mixed files and identity confusion.

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the bureaus are required to reinvestigate disputed items within 30 days and delete any information that can not be verified as accurate. Washington State law, RCW 19.182.070 ( 2 ), further requires prompt deletion or modification of any information found to be inaccurate or unverifiable.

Because the bureaus have already received verified documentation proving my identity and address, continuing to report outdated identifiers constitutes a violation of both federal and state law. I am requesting that the CFPB review this matter and ensure that the credit bureaus : 1. Permanently delete all outdated or unverifiable identifiers ; 2. Provide me with written confirmation of the deletions ; and 3. Update my credit files to reflect only my correct, current identifying information.

This request is made in good faith and does not admit liability for any alleged debt or account. I am simply seeking lawful accuracy and compliance as required by the Fair Credit Reporting Act and Washington State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint because the credit reporting agencies TransUnion, Experian, and Equifax continue to report outdated and unverified personal identifiers on my credit files even after I mailed full proof of my current legal identity and residence. 

My mailed dispute included a copy of my U.S. Passport Card, Marriage License, and a recent utility bill, which clearly establish my current legal name ( XXXX XXXX XXXX ) and my present address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ). Despite receiving these documents, the bureaus have failed to delete multiple former names, obsolete addresses, and outdated phone numbers that no longer apply to me.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Outdated or unverifiable identifiers are not accurate and create risk of mixed files and identity confusion.

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the bureaus are required to reinvestigate disputed items within 30 days and delete any information that can not be verified as accurate. Washington State law, RCW 19.182.070 ( 2 ), further requires prompt deletion or modification of any information found to be inaccurate or unverifiable.

Because the bureaus have already received verified documentation proving my identity and address, continuing to report outdated identifiers constitutes a violation of both federal and state law. I am requesting that the CFPB review this matter and ensure that the credit bureaus : 1. Permanently delete all outdated or unverifiable identifiers ; 2. Provide me with written confirmation of the deletions ; and 3. Update my credit files to reflect only my correct, current identifying information.

This request is made in good faith and does not admit liability for any alleged debt or account. I am simply seeking lawful accuracy and compliance as required by the Fair Credit Reporting Act and Washington State law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am filing a complaint about an inaccurate and unverified collection account being reported by Sunrise Credit Service on behalf of XXXX XXXX ( XXXX ). The account shows a balance of {$370.00} and is listed as a collection account on my credit report. 

This information is inaccurate because I have never had any service with XXXX XXXX, nor have I ever lived at or received service at the address associated with this account. I have never authorized or opened any account with XXXX XXXX, so this debt does not belong to me. 

I have contacted the credit bureaus and the collection agency to dispute this information, but it remains on my report, negatively affecting my credit. I am requesting that this account be fully investigated and removed from all credit reports unless the company can provide verified documentation proving that I opened and used this account. 

Specifically, I request the following documentation if the company continues to claim this account is valid : A signed contract or service agreement showing my authorization ; Billing or service records tied to my verified address ; Proof that I personally initiated or used any XXXX XXXX  service. 

If such documentation can not be provided, this account must be deleted immediately from my credit report. 

Please assist me in having this inaccurate collection entry removed and ensure XXXX XXXX and Sunrise Credit Service comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your time and assistance in resolving 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on Credit Report To Whom It May Concern, According to my most recent credit report, these unauthorized inquiries were conducted. I did not grant any authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I request the immediate removal of these unauthorized credit inquiries in my credit report from the three main credit bureaus. 
Below are the items which I am disputing : * These inquiries were not authorized. Delete them from my credit report immediately : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The presence of these inquiries are adversely affecting my credit report and are impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MOHELA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into the Missouri Higher Education Loan Authority ( MOHELA ) for their handling of my federal student loan account and their recent credit reporting practices. Despite an ongoing investigation and review of my account, MOHELA has reported a negative delinquency to the credit bureaus, which I believe is both premature and unjustified. 

This negative entry has caused significant harm to my credit profile and financial standing. It is my understanding that while an account is under active investigation or review, no adverse credit actions should be reported until the matter has been fully resolved. MOHELAs decision to proceed with negative reporting under these circumstances demonstrates a lack of fair and responsible servicing practices. 

I respectfully request that the CFPB initiate a formal review of MOHELAs actions to determine whether they are in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws. Additionally, I am requesting that MOHELA be directed to immediately remove the negative delinquency from my credit reports pending the resolution of the ongoing investigation. 
Thank you for your attention to this matter. I appreciate your assistance in ensuring fair and lawful loan servicing and credit reporting practices.

Company response to consumer: In progress
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion LLC is inaccurately listing an Also Known As identifierXXXX, XXXX, XXXXwhich is not and has never been part of my legal name. 
This violates 15 U.S.C. 1681e ( b ) and 1681i ( a ) and contradicts Metro 2 Base Segment Field 10, which requires only the verified legal name of the consumer. 
The inaccuracy exposes me to mixed-file risk identical to that found in XXXX v. TransUnion ( 1:18-cv-05208, N.D. Ill., 2023 ), where TransUnion settled for {$23.00} XXXX after similar errors.

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 2025-10-12 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: MO

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

Company 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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
I filed a dispute because my account at XXXX XXXX was hacked. Someone changed my email address to theirs place to order for XXXX items. Got it shipped to an address in XXXX. I contact XXXX. They told me to contact the bank. I got all the information from XXXX I got the tracking number the email address. I also got the address to where it was delivered to in XXXX Florida and stated it was picked up. I asked Cash App to investigate. They stated they investigated. I disputed XXXX times and they denied it XXXX times. They also closed my account and said that I went against the Banks policy but wouldnt tell me specifics on how I want against the policy. I feel like they failed to handle invest investigate the situation and look over the information that I provided to them, including the police report that I filed. They did not properly investigate. They did not give me a refund and they close my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MA 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 2025-10-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company 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 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was in arrears on my mortgage on XX/XX/XXXX I sent by Cashiers check in the amount of XXXX Via XXXX postal service via certified mail .. to PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX. I started tracking the letter the tracking number is XXXX date of the check was XX/XX/XXXX. The tracking information stated it arrived in XXXX on XXXX checked back everyday the tracking information stated the delivery was delayed. I checked back on XX/XX/XXXX It stated it was still delayed. I then called the XXXX XXXX XXXX to see if they knew what happen I was told what I already knew it was delayed, but why. I was told that they had to track it and see what happened. On XX/XX/XXXX I received a voice message from XXXX In XXXX stating there was a problem with the bar code on the coupon in the letter and that they had been having problem with multiple pieces of mail going to that XXXX XXXX, and it would be delivered. I contacted PHH Mortgage on XX/XX/XXXX to see if they had received the check they stated no. Per their request I sent a copy of the Cashiers Check with the Certified mail receipt. They acknowledged that they had received it but no check. I even requested via phone for them to delay any foreclosure proceedings until this missing check could be resolved. I don't know if they documented this request. but I will be filling with a RESPA Dispute letter. I hope you can please also help me to resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company 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 2025-10-12 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: AL

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

Company 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On and around XX/XX/2025 I received a letter of notification of my PII was leaked, No details and no response from the company. No resolutions offered at the time of notification.

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 2025-10-12 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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 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