vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
XX/XX/XXXX these accounts are also way past the statue of reporting which is 7 years! 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Affirm Holdings, Inc
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 recently review my credit report and noticed I had fraudulent information on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-15 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, XXXX, and XXXX  Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX BANK XXXX XXXX XXXX Creditor : XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
b'I have three late payments reported on XXXX  XXXX, XXXX  XXXX  and XXXX XXXX on my XXXX  and XXXX  credit report during the Covid national emergency (pandemics declared emergency between XXXX XXXX and XXXX XXXX XXXX).\nI understand consumers were protected under the CARES Act.\nI respectfully request a goodwill adjustment to my credit report concerning my account # XXXX XXXX XXXX XXXX, which was reported with late payments in XXXX XXXX XXXX XXXX and XXXX XXXX.\nDuring that time, I experienced significant financial hardship due to the impact of the COVID-19 pandemic. Like many others, I faced unforeseen disruptions to my income and overall financial stability. I reached out to XXXX  XXXX  and spoke with one of their representatives and explained my situation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PatientFi, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> PatientFi XXXX # XXXX To Whom It May Concern : I am writing regarding the above-referenced account that you have reported to the credit reporting agencies. Upon review of my credit report, I have discovered that you are inaccurately updating this account on a monthly basis and have placed remarks on my credit report that are inconsistent with your other actions regarding this debt. It has come to my attention that this account has been deemed a profit loss and has been reported as such to the Internal Revenue Service ( IRS ). However, you continue to report this account as [ current status they're reporting ] to the credit bureaus. This dual reporting practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681s-2, which requires furnishers of information to credit reporting agencies to provide accurate information and to correct inaccurate information. 2. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Under the law, if you have reported this debt as a loss to the IRS for tax purposes, you can not simultaneously continue to report it as a collectible debt to the credit bureaus. This inconsistent reporting misrepresents the true status of the account and damages my credit profile. I hereby demand that you : 1. Cease reporting this account to the credit bureaus immediately 2. Remove all previously reported information regarding this account from my credit reports 3. Provide written confirmation within 30 days that these actions have been completed Please be advised that failure to comply with this request may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under the FCRA. I expect your prompt attention to this matter and look forward to your written response confirming that the requested corrections have been made. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX, LA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.- A copy of my Identity Theft Report and proof of my identity.- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of America by phone to address inaccuracies in the reporting of a closed account that was settled and marked as sent to collections. During this conversation, I was informed that although the account was settled as of XXXX, Bank of America is unable to remove or correct any amounts or delinquencies reported to the credit bureaus. The representative stated that Bank of America does not have control over what appears on my credit report and advised me to submit a dispute directly with the credit reporting agencies. 

I am submitting this statement as part of my formal dispute and request for correction. While I understand that the account was charged off and later settled, the reporting of continued late payments or balance information beyond the account 's resolution is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), all information provided to credit reporting agencies must be complete and accurate. 

Therefore, I am requesting the following resolution : The removal of any late payments or balances reported after the account was settled in XXXX. 

An update to the credit file reflecting the account as settled in full for less than the amount owed, with no further delinquencies post-settlement. 

This request is made in good faith and based on the factual account history as confirmed by Bank of Americas own representatives. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-05-15 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced collection account being reported by Transworld Systems Inc XXXX This debt is the result of identity theft and is not my responsibility. 

I did not authorize the account in question, nor did I receive any goods or services related to it. I have included a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), as well as a copy of the police report I filed regarding this fraudulent activity. Also enclosed are copies of my proof of identity ( e.g., driver 's license and utility bill ) to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
I paid an escrow shortage statement expecting my payment to stay at same amount. Discussed this with a representative on the phone and he agreed after some discussion the payment should remain at same amount. 

Mortgage payment was raised anyway. My on time payment did not match XXXX  coupon so they held payment, did not apply to loan, and charged me a late fee. After further phone conversations they explained why escrow was changing in an understandable manner so additional payment was sent to cover shortage. 1st Payment after escrow adjustment was finally applied to loan but the late fee was not reversed. After two reviews they still won't accept that their representative told me the monthly payments wouldn't change and they insist I pay a late fee on the payment I wasn't late sending. I pay a month in advance due to mailing service issues & don't want to be late. This happened in XXXX & XXXX of XXXX. 

Previous monthly XXXX {$1500.00} ( due XXXX and late XXXX, Posted XXXX but held in separate account, not applied to loan ) Late fee assessment {$50.00} ( XX/XX/year>XXXX  ) Shortage payment ( after further calls ) {$110.00} ( processed XX/XX/year>XXXX  ) [ They do not show this payment on my payment history website dashboard, they title my {$1500.00} payment " misapplied funds '' on XX/XX/XXXX. 
On XXXX  escrow shortage check {$2300.00} ( posted as " payment '' ) New monthly XXXX {$1600.00} Payment is aways paid one week minimum before due & 3+weeks before late. Their accounting ledger of my payments through this process is unscrupulous. 

In summary I was told my payment would not change and was charged a late fee when payment was never late. Payment issue was misunderstood by both parties. They won't accept fault on their end. 

I've attached dashboard ledger screen shot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint with regards with CFPB Complaint ID : XXXX. This is second attempt at a request for a statement of specific reasons pursuant to 12 CFR 1002.9 ( b ) ( 2 ) of Regulation B. Response to the previous complaint does not satisfy the ECOA-FCRA disclosure requirements for " specific reasons '' per this statute. Please provide a statement of specific reasons for a loan application that was processed and denied on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, at around XXXX XXXX, I attempted to deposit {$1200.00} into a Chase ATM located at XXXX XXXX XXXX, XXXX, IL ( Terminal ID : XXXX, Sequence # : XXXX ). Due to strong sunlight, I couldnt clearly see the screen, and after inserting the cash, I saw an error message. The ATM took the money but did not complete the deposit. The receipt showed no deposit amountonly a message instructing me to call customer service. 

I immediately visited the local branch, but they advised me to call instead. I even asked if they could open the ATM machine or check it directly, but they said there was nothing they could do and insisted I contact customer service. I then contacted Chase by phone and submitted a claim ( Claim # : XXXX ). During the call, the representative asked me to specify exactly how much I had deposited and the denominations of the bills. I explained that I deposited XXXX {$100.00} bills, XXXX {$50.00} bill, XXXX {$20.00} bills, and XXXX {$5.00} bill. He told me that the investigation team would look into the matter and contact me. 

Since I did not receive clear answers, I followed up with a secure message requesting a more specific updatesuch as whether the process could be expedited and if ATM footage would be reviewed. 

Although it has only been a short time since I filed the claim, I have not yet received any credit or meaningful update. This money is very important to me due to an upcoming major expense. I am extremely anxious and would greatly appreciate the CFPBs assistance in ensuring a timely and fair resolution. 

To support my claim, I am attaching the following materials : a photo I took immediately after the incident in front of the ATM with the receipt in hand, the original physical receipt, a digital receipt from the Chase website, the secure message I sent, and a screenshot of the claim status page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-05-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following items on my credit report as provided by my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following items on my credit report as provided by my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-15 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 recently review a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting inaccurate and misleading information despite multiple formal disputes and supporting documentation. 
Details : Experian continues to report : Incorrect addresses and outdated employer A child support account marked as charge-off with a {$0.00} balance An XXXX XXXX account XXXX was sold, still listed as a charge-off A third-party debt collection by XXXX that has never been validated XXXX documentation has been provided by Experian to support the continued reporting XXXX these accounts, violating FCRA 611, 623 and FDCPA 809.

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