vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please removed these inquiries immediately to remain in compliance. 
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 2025-08-30 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My house was wrongfully foreclosed by America First Credit Union on XX/XX/year>. Since I am currently going thru a financial hardship I have fallen behind on my mortgage payments. I contacted America First Credit Union for a loan modification, submitted all the required documentation. I received a letter from America First Credit Union stating I needed to pay {$3500.00} in attorney fees. Of course because of my hardship I was unable to pay the money and America First Credit Union wrongfully foreclosed my house stating the I did not provided the required documents. America First Credit Union is not being forthright and misleading. All the documents were sent and received by their Loss Mitigation Department. I have copied of all email transcripts and communication with America First Credit Union Loss Mitigation Department. Please investigate this wrongful foreclosure. Please see attached documents for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
XX/XX/year> I learned my Debit card bank account was locked due to not having the means to pay my quick loan. I have been without an income for the past 3 months. I reached out to the bank prior to this to try and get a skip a payment or some type of financial relief but they could not help me. I have been banking with this bank for over 5 years but the treatment is not helpful. There has been times that funds were transferred from my savings to my checkings or even to pay my loan without my consent. This bank does this randomly as it is not consistent. I am unable to pay my loan so they have locked my account where I could not access my funds which is wrong. I have finally got back to work which was explained but because they have this automatic system that locks their members accounts no one could help me after I tried to avoid this by reaching out.

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 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account in my credit history. I never opened, managed, or authorized this account, and its reporting is completely inaccurate.

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 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a fraudulent account that appears on my credit report. I have no connection to this account, nor have I ever given authorization for its creation. This is a clear error that must be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the fraudulent account that has been reported in my credit history. I did not authorize or open this account, nor do I have any connection with it. Its presence on my report is completely false and has caused harm to my financial reputation.

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 2025-08-30 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-30 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: GA

Complaint narrative:
I recently reviewed my credit report and was alarmed to find multiple inaccuracies that do not reflect my true identity or financial history. My name is being reported incorrectly as XXXX, XXXX, XXXX, and my report lists addresses I have never lived at, including XXXX XXXX XXXX, CA XXXX, XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX, XXXX XXXX, CA XXXX. Seeing these addresses and the incorrect name tied to my file is alarming and misleading. Under FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to correct information once it is determined to be inaccurate, and I am exercising my right under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) to have these errors fully reinvestigated and removed. 
I also noticed accounts reported as late closed that are inaccurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both show a XXXX balance but are reflected negatively on my report XXXX XXXX Reporting accounts in this manner is misleading and violates the requirement for maximum possible accuracy under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) as well as the duty of furnishers to correct inaccurate information under FCRA 623 ( a ) ( 2 ). 
Several charged-off accounts are reported incorrectly or incompletely. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4600.00} XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4600.00} XXXX XXXX each involve debts over {$600.00}, yet no IRS Form 1099-C has been issued. Reporting these debts without proper documentation is misleading and violates my rights under the FCRA. Other charged-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$210.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$450.00} * *, appear in my report in ways I do not recognize. These accounts must be reinvestigated and removed if unverifiable under FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ). 
Additionally, a collection account from Absolute Resolutions I, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$740.00} XXXX XXXX, appears on my report, and I do not recognize this debt. Unless the furnisher can provide proper validation, this account should be deleted in accordance with FCRA 605B 15 U.S.C. 1681c-2. 
Finally, there is an inquiry from XXXX dated XX/XX/year>, XXXX XX/XX/year> that I never authorized. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 619 15 U.S.C. 1681q, my credit report may only be accessed for permissible purposes, and this unauthorized inquiry must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding a fraudulent account in my credit history. I did not authorize or open this account, and its reporting is a serious inaccuracy. Such false information undermines the accuracy of my credit profile.

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 2025-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX has been acting/pretending to be the mortgage servicer in my foreclosure case in the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is working for XXXX XXXX XXXX XXXX not the mortgage servicer XXXX XXXX. XXXX XXXX XXXX 's licensed agent XXXX XXXX was convicted of taking XXXX mortgages on property 's that he was the settlement title company. I am a victim. XXXX XXXX XXXX XXXX XXXX released the fraudulent XXXX mortgage for the XXXX XXXX XXXX XXXX and hired XXXX law firms to go after me - their insured. Because the XXXX of XXXX  no longer takes issue with mortgage fraud after accepting XXXX XXXX for a mortgage fraud settlement in XXXX, XXXX  XXXX agencies will not get involved. The XXXX  Attorney General XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX States Attorney should be the interested in mortgage fraud, but that's not the case. All state agencies have refused to get involved. 
My foreclosure case was never notified to the XXXX XXXX XXXX XXXX. I was never sent a Notice of Intent to Foreclosure, No Loss Mitigation, mediation contingency expired, no judge 's ruling to take possession of property & foreclosure XXXX is retired and closed his office. The foreclosure law firms has been doing it's own foreclosure audits to add to the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am disputing these accounts with XXXX  and Affirm. Despite my dispute, neither XXXX  nor Affirm has provided me with any documentation establishing the validity of these debts. 


XXXX  continues to claim that these accounts are verified, yet Affirm has never provided me with proof that I signed for or authorized any of these loans. Affirm has not produced a signed application, contract, or any paperwork demonstrating that I gave them permission to open these accounts in my name. Without this documentation, these accounts remain unverified and fraudulent. 


The following accounts from Affirm currently appear on my XXXX  credit report as either charged-off or reported in some other derogatory status : {$100.00} {$55.00} {$190.00} {$79.00} {$72.00} {$74.00} {$150.00} {$130.00} {$56.00} {$66.00} {$57.00} {$140.00} {$250.00} {$46.00} All of these accounts are fraudulent and must be deleted immediately. 


Affirm has failed to provide evidence to me or my attorney that any of these loans are valid. At best, they may have confirmed my address or phone number, but that is not verification of debt. Verification requires actual documentation showing I signed and authorized these loans. To date, no such evidence has been provided. 


By allowing Affirm to continue reporting these unverifiable accounts, XXXX  is complicit in maintaining fraudulent information on my credit report and is violating its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure only accurate, verifiable data is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have received a copy of my consumer reports and note that TransUnion have reported transactions in my consumer report that are legally excluded under FCRA 15 USC 1681a 2Ai. The credit collection company TransUnion is illegally reporting transactions in my credit records, claiming I have a late payment, which is not legitimate, and the bank claims I did not report it on my credit at the time.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute to TransUnion over XXXX  days ago regarding the account from XXXX XXXX XXXX. I do not recall authorizing or being primarily responsible for this account, and the reporting contains inaccuracies. The account shows as a co-maker/signer, yet the payment history reflects negative marks ( XXXX and XXXX  days late ), which I dispute as inaccurate. Additionally, the reporting inconsistencies across bureaus suggest the data may not be fully verified or accurate. Despite my dispute, TransUnion continues to report this account in a way that is harmful to my credit file.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Have been a card holder since XXXX  under Sears and without notification they decreased my credit by XXXX since I have not used card in 24 months was the reason now citi bank decision. Was told on XXXX of month letter was sent by mail on XXXX. No notification at all. My credit is excellent yet they will not reverse action to put credit where it was. They refused to acknowledge error and correct the mistake they made let alone admit to the error.

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 2025-08-30 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity\nTheft Victim\n\nDear Experian Consumer Services,\n\nI am writing to follow up on my request for the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent account that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-08-30 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:
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 explanation