vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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 this complaint to address serious inaccuracies and unauthorized activity presently appearing on my Equifax credit report. These entries are not only false they are the direct result of identity theft. I am a confirmed victim of identity theft, and it is apparent that fraudulent accounts have been reported under my name and Social Security number without my consent or authorization. 

Upon review of my credit file, I discovered the following fraudulent and unverifiable accounts : XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Derogatory / Late 30 Days Reported Balance : {$20000.00} Comment : Account closed at consumers request Flexible spending credit card. 


XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Derogatory / Late 60 Days Reported Balance : {$52000.00} Credit Limit : {$52000.00} Comment : Account closed at consumers request Amount in H/C column is credit limit. 


I have never opened or used any credit account with XXXX XXXXXXXX XXXX XXXXXXXX. The existence of these accounts represents a clear breach of my personal data and an egregious failure by Equifax to comply with its obligations under 1

5 U.S.C. 1681e ( b ) the duty to maintain maximum possible accuracy in consumer reporting.

The presence of these entries, especially when coupled with recent reporting activity in XXXX and XX/XX/XXXX, indicates reckless mishandling of sensitive consumer information. Your failure to identify, verify, or remove obviously fraudulent items after notice constitutes willful non-compliance and negligence under the Fair Credit Reporting Act. 

As a victim of identity theft, I have already filed a report with the Federal Trade Commission ( FTC ) and submitted documentation proving my identity. I am demanding that Equifax immediately implement the protections afforded under 15 U.S.C. 1681c-2, which requires prompt blocking of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I did an atm withdrawal of {$300.00} money was dispensed but went back in ATM while I was picking up items dropped. They have yet to call ATM company to verify. The money would have gone into a separate cassette since it dispensed so it's either still sitting there or the armor service has it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage has failed to issue my escrow refund check for more than a year and a half despite numerous calls, written requests, and repeated assurances of resolution. 

The original escrow refund check for {$2700.00} was issued on XX/XX/XXXX and mailed to the wrong address. I have been attempting to obtain this refund since XXXX. Despite dozens of calls, emails, and escalations, the check has never been reissued. 

On XX/XX/XXXX, a representative apologized and stated that I needed to complete a Claims Request Form and mail it in. I did so. When I followed up in XX/XX/XXXX, I was told the form was not received. Later, in XX/XX/XXXX, another representative confirmed that the form had been received. 

On XX/XX/XXXX, I submitted a formal written letter requesting resolution, but on XX/XX/XXXX, Freedom Mortgage responded with a generic message claiming the issue had been resolved without actually issuing the refund. 

On XX/XX/XXXX, I was told the team was obtaining a check number and that the refund would be processed within XXXX weeks. However, when I called again on XX/XX/XXXX, I was informed that the check had never been processed and the request was being resubmitted again. 

This has been an unreasonable delay exceeding XXXX  months, during which Freedom Mortgage has consistently provided conflicting information and failed to fulfill its legal obligation to disburse the escrow surplus.

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 2025-10-13 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: NY

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

Account name : XX/XX/XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. CXX/XX/XXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXX/XX/XXXXe XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I returned my XXXX XXXX XXXX XXXX on XX/XX/XXXX, in excellent condition, with odometer reading at XXXX miles, which is about XXXX fewer miles than allowed ( XXXX ) under the lease. Hyundai Capital assessed a {$1100.00} Excess Wear and Use charge for a minor surface scratch less than XXXX inches long on the headlight lens. The alleged damage is a minor surface scratch less than XXXX inches long, purely cosmetic, and does not affect headlight performance, safety, or visibility. Based on Hyundais own wear-and-tear guidelines, such a small mark should be considered normal wear and not subject to charge. 
I submitted a formal dispute with photos and documentation, requesting that Hyundai Capital pause the charge and hold credit reporting during the review. They refused to do so and maintained the charge without providing justification. This refusal risks negative credit reporting while the matter is still under dispute.

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 2025-10-13 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: NY

Complaint narrative:
I am writing to advise that I am a victim of XX/XX/XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX. 
ACCOUNTS : XXXX - XXXXXX/XX/XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXXXX/XX/XXXX- XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX - XXXXXX/XX/XXXX - XX/XX/XXXX - {$540.00} XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX - {$850.00} INQUIRIES XX/XX/XXXX CARD XX/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 2025-10-13 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XX/XX/XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had a problem with my bank account so I decided to take out {$100.00} and put it into Cashapp. The day after, I put it back in. 

I realized the XXXX from my bank account was still pending after I put the money back in. Now, my withdrawal and deposit are swapped. Meaning they took {$100.00} by mistake. Ive tried to work with support but they are refusing to help. 

My bank statement for my bank states that the XXXX came AFTER the deposit. My transactions were swapped. 

The only reason it said REVERSED was it prompted me to pay {$3.00} to get it instant. I did this. 

But the money never hit my account it was immediately messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all accounts listed as they are associated with identity theft and fraud.

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 2025-10-13 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:
Please remove all accounts listed as they are associated with identity theft and fraud.

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 2025-10-13 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:
Please remove all accounts listed as they are associated with identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I recently reviewed my report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX of 2025 ) I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NH

Complaint narrative:
Spoke with company representative for information regarding the amount remaining on the loan. Was told I could pay XXXX today for payoff after already paying XXXX. Complaint filed to speak with management. Early pay off day was XX/XX/XXXX. For XX/XX/XXXX days before a XXXX fee is charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XX/XX/XXXXXXXX # XXXX -- - Opened : XX/XX/XXXXXX/XX/XXXX # XXXX -- - Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting an alleged XXXX XXXX XXXX account ending in XXXX. XXXX XXXX, the original creditor, has confirmed in writing that no original signed purchase agreement exists for this account. Despite this, XXXX continues to report the account to all three credit bureaus without providing proper verification, which is inaccurate, incomplete, and unverifiable under FCRA 623 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that commitment has not been honored, and the inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about possible identity theft and has caused ongoing emotional and financial distress.

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 2025-10-13 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: GA

Complaint narrative:
I am submitting this complaint because my personal information was compromised due to data breaches involving TransUnion, Equifax, and Experian. I did not authorize any release or exposure of my sensitive data, and I am extremely concerned about the potential for identity theft, financial fraud, and long-term damage to my credit profile. 

Despite being major credit reporting agencies entrusted with safeguarding consumer data, these companies failed to adequately protect my information. I have taken steps to monitor my credit and secure my accounts, but the burden of this breach should not fall solely on me.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have been disputing this XXXX for 2 years. I was not provided with validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: KY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 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: KY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 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: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MI

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