vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
My loan is paid off and per the escrow analysis I just received XXXX XXXX 'paid ' my County Taxes, but that is not true. 

I paid my county taxes, the amount it showed is not correct, the tax amount went up and I faxed their office a copy of the new statement in XXXX of 2025 Since the mortgage is paid off, I need the {$1400.00} returned. It was 'removed ' from the escrow fund balance but actually not paid - the county ( XXXX XXXX will refuse a payment that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IN

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in XXXX XXXX, I ask that these accounts be removed within XXXX days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
My data has been breached and all bureau are reporting different information with different addresses and social security numbers and reporting debt from companies Ive never heard of or did business with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: IN

Complaint narrative:
My data has been breached and all bureau are reporting different information with different addresses and social security numbers and reporting debt from companies Ive never heard of or did business with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
XX/XX/XXXXXXXX  To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and fraudulent information being reported on my credit report by TRANSUNION, as a result of a data breach that compromised my personal information without my consent. 



Specifically, I am disputing the inclusion of the following account ( s ) currently listed by TRANSUNION : XXXX XXXX XXXX : Account number - XXXX - Date opened XX/XX/XXXX Balance reporting {$160.00} XXXX  : Account number XXXX - Date opened XX/XX/XXXX Balance reporting {$3100.00} XXXX XXXX XXXX : Account number XXXX - Date opened XX/XX/XXXX Balance reporting {$7400.00} XXXX XXXX  : Account number - XXXX - Date opened XX/XX/XXXXXXXX  Balance reporting {$100.00} My personally identifiable information ( PII ) was exposed in a known data breach, which I did not authorize and had no control over. Following this breach, unauthorized activity appeared on my credit report, which I believe constitutes identity theft and is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 



In accordance with FCRA 611 and 605B, I have taken the following steps : Filed an official Identity Theft Report with the Federal Trade Commission ( FTC ).

Attached documentation including a copy of the FTC report, proof of identity, and a letter requesting the removal of fraudulent information. 



Under FCRA 605B, I am entitled to have any information resulting from identity theft blocked from my credit report once I provide a valid identity theft report and written statement. I have also requested that TRANSUNION conduct a proper reinvestigation into these accounts in compliance with FCRA 611.

Despite my previous efforts to dispute this information directly with TRANSUNION and the furnishers, the item ( s ) remain on my report, causing significant and ongoing harm to my financial well-being, including damage to my credit score, denial of credit, and emotional distress.

I am requesting that the Consumer Financial Protection Bureau enforce my rights under the FCRA and take immediate action to ensure that the following item ( s ) are permanently deleted from my credit report maintained by TRANSUNION.

I am attaching the following documentation : Copy of my FTC Identity Theft Report Proof of identity ( drivers license, credit card bill, social security card ) Thank you for your time and attention to this matter. I look forward to your swift action to resolve this dispute. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 2025-05-28 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 respectfully request the prompt removal and blocking of the unauthorized accounts listed on my credit report. I did not authorize or open these accounts and am unaware of their origin. In accordance with USC 1681g, I formally ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. Additionally, the reported information varies across the bureaus and contains several inaccuracies.

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 2025-05-28 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-28 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: LA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Embassy Loans
State: FL

Complaint narrative:
Took out a title loan for a XXXX XXXX to bail out my husband and ran into to difficulty paying it off due to hardship and since moved and haven't been able to resolve the issue with receiving the information necessary to fix the problem made several calls to embassy loan company to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 submit a complaint regarding inaccurate and potentially unverifiable information being reported on my credit file by various creditors and credit bureaus. I have attempted to resolve these issues through the respective credit reporting agencies without satisfactory resolution and now request the intervention of the CFPB to facilitate an investigation. 

Below are the accounts in question : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute Reason : * * This account reflects a {$0.00} balance yet continues to be marked as a collection. This may be outdated or inaccurately reported. 

XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute Reason : * * Account appears closed and charged-off, but reporting inconsistencies remain with status and dates. Please verify all data. 

XXXX. XXXX XXXX Account Numbetr : XXXX Date Opened : XX/XX/XXXX The account shows a closed status, but reported dates and details XXXX be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : * * XX/XX/XXXX Missing key identifiers, such as the full account number, I request validation of all associated entries. 

I respectfully request that the CFPB investigate these matters under the authority granted by the Fair Credit Reporting Act ( FCRA ) and ensure that any unverifiable or inaccurate data is removed or corrected. 

Thank you for your time and assistance in this matter. I look forward to your response and a resolution of these discrepancies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 writing to formally submit a complaint regarding inaccurate and potentially unverifiable information being reported on my credit file by various creditors and credit bureaus. I have attempted to resolve these issues through the respective credit reporting agencies without satisfactory resolution and now request the intervention of the CFPB to facilitate an investigation. 

Below are the accounts in question : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute Reason : * * This account reflects a {$0.00} balance yet continues to be marked as a collection. This may be outdated or inaccurately reported. 

XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute Reason : * * Account appears closed and charged-off, but reporting inconsistencies remain with status and dates. Please verify all data. 

XXXX. XXXX XXXX Account Numbetr : XXXX Date Opened : XX/XX/XXXX The account shows a closed status, but reported dates and details XXXX be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : * * XX/XX/XXXX Missing key identifiers, such as the full account number, I request validation of all associated entries. 

I respectfully request that the CFPB investigate these matters under the authority granted by the Fair Credit Reporting Act ( FCRA ) and ensure that any unverifiable or inaccurate data is removed or corrected. 

Thank you for your time and assistance in this matter. I look forward to your response and a resolution of these discrepancies. 

Sincerely, 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 2025-05-28 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: LA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-05-28 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-05-28 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: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at 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  These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of 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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In response to fraudulent accounts opened including a checking account ending in XXXX, as well as a Jewelry credit account, XXXX  by XXXX, Wells Fargo has been mailng me mediation request forms, a total of XXXX ( XXXX ) or more of these forms have been submitted, acknowledgement letters received with a number to reach out .. When number is called, I am either hung up on or told " all efforts exhausted " then hung up on. With regard to accounts mentioned previously, there were no such efforts made, I can assure the CFPB as well as any other third party looking into this matter. Any efforts made refer to prior unauthorized accounts from prior years including XXXX  to XXXX. With regard to these accounts, a settlement offer was made by XXXX XXXX, payment never received. Referring back to mediation request forms, it appears Wells Fargo is sending these forms as a front to CFPB to appear interested resolving issue when in fact it is a mere runaround. Further, several remedy payments were supposedly mailed including amounts of {$19.00}, {$50.00}, {$400.00}, none of which received. Wells Fargo reply to these payments is referring to them as cashed and depending on which Wells Fargo rep replies, further refer to them for products and or services on prior accounts or for unauthorized accounts mentioned. I can assure the CFPB there were no such products or services in any of these amounts on any prior accounts, this may seem irrelevant, however, it goes towards credibility which Wells Fargo and its rep have little to none ... Wells Fargo was fined by CFPB for handling of accounts such as named in this complaint.

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