vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 am filing a complaint to dispute and request the removal of certain collection accounts and inquiries that have been inaccurately reported on my credit report. These accounts and inquiries do not belong to me and were reported without my knowledge or consent, causing harm to my credit profile. 
The collection accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * and XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * are both inaccurate and unverifiable. Their reporting is in violation of 605B / 15 U.S.C. 1681c-2, which restricts the reporting of obsolete or unverified information, and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates that any disputed information must be thoroughly investigated and corrected or removed if found inaccurate. I request that these collection accounts be removed from my credit report immediately.

Additionally, several inquiries were made without my authorization, including those associated with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These inquiries violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits access to a consumer report to authorized purposes only. I request that all these unauthorized inquiries be removed from my credit file immediately, as they were performed without my 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
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
inaccurate information that has appeared on my Equifax credit file following the Equifax data breach. XXXX XXXX XXXX data breech as well as evolve bank and trust My personal data was among the information exposed. Because of these breachs I believe certain accounts or inquiries on my credit file may be inaccurate, fraudulent, or not properly verified. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information on my credit report and remove or correct inaccurate, incomplete, or unverifiable entries. Specifically, I am disputing the following accounts as fraudulent and/or inaccurately reported due to the Equifax data breach : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XXXX Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$3700.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$330.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX, XXXX & XXXX XXXX XXXX Balance {$6500.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} ( Account opened XX/XX/XXXX ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$680.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} ( Account opened XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TN

Complaint narrative:
I contacted equifax several times times ( on recorded line ) with last time XXXX, requesting info and update on a dispute I had requested in XXXX for an account showing on my report for XXXX. All they would tell me is this had come back as mine and would not tell me how it was verified. I asked for the account number or anything they received when this was verified and they refused to provide saying they dont have to give me anything only send me a letter by XXXX days saying its verified. I asked for additional information because they keep telling me to call the creditor but the creditor tells me to call equifax to dispute it. Equifax is refusing to reopen a new dispute. This is also recorded.. I had already been in communication with the creditor for a while now disputing this because they tell me they can not locate anything with my ssn or the account # listed in the equifax report so I took this info back to equifax and they said they do not care that this will remain because they were told its valid and to get it removed I will need to sue. I have all of this recorded. They got upset when I told them Im suing because they can not report something without verifying properly and I was told they do not care

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: West Capital Lending, Inc.
State: PA

Complaint narrative:
I spoke with the branch manager of West Capital Lending on XXXX  XX/XX/XXXX, XXXX XXXX .. XXXX XXXX sent me a text stating the rates dropped and he can get me approved, I called him then he called me back.. I advised not interested in refinancing Im interested in a HELOC he then became very unprofessional and hung on me and hes a branch manager. I couldnt believe he hung up on me .. Im interested in getting a HELOC his number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-06 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 am filing a complaint to dispute and request the removal of certain collection accounts and inquiries that have been inaccurately reported on my credit report. These accounts and inquiries do not belong to me and were reported without my knowledge or consent, causing harm to my credit profile. 
The collection accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * and XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * are both inaccurate and unverifiable. Their reporting is in violation of 605B / 15 U.S.C. 1681c-2, which restricts the reporting of obsolete or unverified information, and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates that any disputed information must be thoroughly investigated and corrected or removed if found inaccurate. I request that these collection accounts be removed from my credit report immediately.

Additionally, several inquiries were made without my authorization, including those associated with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These inquiries violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits access to a consumer report to authorized purposes only. I request that all these unauthorized inquiries be removed from my credit file immediately, as they were performed without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am filing a complaint to dispute and request the removal of certain collection accounts and inquiries that have been inaccurately reported on my credit report. These accounts and inquiries do not belong to me and were reported without my knowledge or consent, causing harm to my credit profile. 
The collection accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * and XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * are both inaccurate and unverifiable. Their reporting is in violation of 605B / 15 U.S.C. 1681c-2, which restricts the reporting of obsolete or unverified information, and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates that any disputed information must be thoroughly investigated and corrected or removed if found inaccurate. I request that these collection accounts be removed from my credit report immediately.

Additionally, several inquiries were made without my authorization, including those associated with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These inquiries violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits access to a consumer report to authorized purposes only. I request that all these unauthorized inquiries be removed from my credit file immediately, as they were performed without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Our home was rendered unlivable by XXXX  XXXX late last year. We worked out a disaster forbearance agreement with our mortgage servicer at the time, XXXX XXXX. This lasted XXXX  days and renewed a few times, until ending XX/XX/XXXX. At this same time ( start of XX/XX/XXXX ), our mortgage servicing was transferred from XXXX XXXX to Shellpoint Mortgage Services. Shellpoint, so I'm told, continued the disaster forbearance for XXXX month. After ending it with no options to ensure our credit remained intact, they reported us delinquent on the loan XXXX days, I think at the end of XXXX. There was no contact about this that either my wife or I can recall, no demand to pay the money " or else '', nothing. They just reported us as delinquent on a plan originally worked out to help us recover from a natural disaster. On XX/XX/XXXX Shellpoint called us to discuss the loan modification, we agreed and made a payment immediately. There was no discussion during this call or at any other time about our credit getting destroyed. We would have been able to catch the loan up in full if notified/requested, but that never happened. We are now stuck unable to buy a new home for a year due to the delinquency reported on our credit, when our own home was first damaged by a hurricane, then burned down on XX/XX/XXXX. During our hardship, we proactively reached out to both mortgaging servicers to make sure everyone was kept in the loop during major events such as the home fire, and periodically throughout, we answered when they contacted us, and when they told us the forbearance was over and a new agreement and payment was required, we did it. In short, we did everything asked of us and then some, yet we have still been unfairly punished by Shellpoint. To remedy, all we care about right now is getting that XXXX day delinquency off of my ( and my wife 's ) credit, because no mortgager will work with use while that exists. We did what was asked of us and don't deserve to be treated this way. We'll happily work out any kind of payment arrangement with Shellpoint, including paying the full amount we are behind ( or the modified loan terms, we're flexible ), to make this happen. This was communicated to a supervisor XXXX XXXX, didn't catch last name ) just now XX/XX/XXXX and we were told there is nothing he can do. Please help us get our credit fixed by having that delinquency removed, which will allow us to get a home and finally get some sense of normalcy back.

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 2025-09-06 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:
recently reviewed my credit report and noticed several accounts and inquiries that I do not recognize. After further investigation, I believe that fraudulent information has been added to my credit file. I did not open these accounts, nor did I authorize any of the listed credit applications. This appears to be the result of identity theft or unauthorized activity. I have requested a formal investigation into these entries and that any inaccurate or fraudulent information be removed from my credit report immediately but nothing had been done.

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