vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'Reported balance\nXXXX\nActual payment amount\nDate of last payment\nPast due amount\nXXXX\nAccount status\nPays account as agreed\nDate reported\nXXXX  2025\n\nReported balance\nXXXX\nActual payment amount\nDate of last payment\nPast due amount\nXXXX\nAccount status\nPays account as agreed\nDate reported\nXXXX/2025\n\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX\nXXXX, AR XXXX\nXXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I was a victim of identity theft and even after filing a police report and a complaint with FTC, I STILL have these items on or returning on my credit report. 

This is ruing my ability to rent or finance anything. I have DOZENS of other accounts for YEARS with stellar payment history and I refuse to pay for anything that isn't mine. 

Please help me with this. It's been a credit nightmare. 

Please note that I actually have several accounts with XXXX that are in good standing ; the one that isn't IS NOT MINE! I even have a screenshot of the email that affirm sent me over a year ago confirming that they removed the account because they investigated and CONFIRMED it wasn't mine. Now it's back on my credit reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I was a victim of identity theft and even after filing a police report and a complaint with FTC, I STILL have these items on or returning on my credit report. 

This is ruing my ability to rent or finance anything. I have DOZENS of other accounts for YEARS with stellar payment history and I refuse to pay for anything that isn't mine. 

Please help me with this. It's been a credit nightmare. 

Please note that I actually have several accounts with XXXX that are in good standing ; the one that isn't IS NOT MINE! I even have a screenshot of the email that affirm sent me over a year ago confirming that they removed the account because they investigated and CONFIRMED it wasn't mine. Now it's back on my credit reports!!

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 2025-05-14 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: IL

Complaint narrative:
Re : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information. 
Please provide the following : 1. The name, address, and phone number of the entity that you contacted to verify the information. 
2. A detailed description of the method and steps you used during your investigation. 
3. Copies of any documents or communications used to verify the disputed information. 
The specific item I am referring to is : XXXX XXXX XXXX Account # XXXX This is a formal request, and I expect your response within 15 days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Re : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear XXXX, I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information. 
Please provide the following : 1. The name, address, and phone number of the entity that you contacted to verify the information. 
2. A detailed description of the method and steps you used during your investigation. 
3. Copies of any documents or communications used to verify the disputed information. 
The specific item I am referring to is : XXXX XXXX XXXX Account # XXXX This is a formal request, and I expect your response within 15 days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt 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 non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Re : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear XXXX, I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information. 
Please provide the following : 1. The name, address, and phone number of the entity that you contacted to verify the information. 
2. A detailed description of the method and steps you used during your investigation. 
3. Copies of any documents or communications used to verify the disputed information. 
The specific item I am referring to is : XXXX  XXXX XXXX  Account # XXXX This is a formal request, and I expect your response within 15 days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt 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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I received an expired insurance notification from Mr. Cooper on XX/XX/XXXX. I uploaded the renewal policy at that time. I received another expired notification on XX/XX/XXXX. I uploaded the renewed policy again. I called Mr. Cooper, and after a half hour I finally was able to get a human being on the phone. She assured me that they had the updated policy information ( it was also reflected in the website ). I just received another notification that they are going to force place insurance. I can not get a human being on the telephone to find out why they keep sending these notices. 
I have attached my condo insurance policy and the last email from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am filing this formal complaint against Equifax, for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Equifax has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within XXXX hours ) and the lack of meaningful documentation provided, I believe Equifax is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ). 
Below is a summary of each issue I have disputed, how TransUnion failed to comply, and the specific relief I am requesting. 
1. Unverifiable Collection Reporting as Closed Account XXXX XXXX  - Account Name : XXXX XXXX - Account Partial # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Issue : This collection account is reported with a balance of {$880.00}. I have not received any debt validation under the FDCPA, and Equifax has verified this account without furnishing any supporting documentation from XXXX. 
- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward relevant documents to furnisher - 15 U.S.C. 1681e ( b ) Reporting unverifiable debt - Demand : Delete the account unless a full chain of assignment, proof of ownership, and original contract with my signature are provided. 

Requested Relief from CFPB : 1. Investigate Equifaxs sham investigation practices. 
2. Require XXXX  to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above. 
3. Require Equifax to provide documentation for any item it claims to verify.

4. Impose appropriate penalties or sanctions for repeated violations.

5. Ensure Equifax follows all Metro 2 and CDIA standards, and refrains from unverifiable data reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: OK

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  XXXX reported me deceased in XX/XX/XXXX. Corrected it. They did it again XX/XX/XXXX along with 2 other XXXX  XXXX accounts. Leaving me as deceased completely on credit reports. We are trying to purchase a home. I submitted my income and identification proof up to date XX/XX/XXXX proving the error. How are they doing this again. This is ruining my life. They need to be accurate in their reporting. This is a serious issue at hand. Time is of the essence. Which I don't have a lot of. Twice is not by any means acceptable. This company should be removed from being able to report any other information about me due to this situation.

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 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

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 2025-05-14 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: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-14 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-14 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: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My grandparents opened a trust account with XXXX Bank who then was acquired by XXXX XXXXXXXX XXXX XXXX XXXX then acquired by Citizens Bank. The only reason I am submitting a complaint is because the bank named in the Will claims they dont have it. I contacted them and they also said they dont have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On or abut XX/XX/XXXX, I purchased a Vanilla Gift Visa Card at a XXXX 's at XXXX XXXX XXXX, XXXX XXXX, CA XXXX around XXXX. When I attempted to activate the card on XX/XX/XXXX, I was unable to do so because the third set of digits in the card number were illegible on the card. When I called Vanilla Gift Card, the CSR deactivated the card using an 11 digit number on the back lower right corner of the card. She was going to send me a replacement except we were disconnected. About 5 or six days later, I called again to have the card replaced. At that time, I was told it was not going to happen. I was also told, a refund would not be issued. Lastly, I was told that an investigation needed to be done. When I explained that none of that made any sense, I was told a manager would call me. Someone named XXXX, called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never given a return call number. 
An investigation which was reported as being necessary has not been done, to my knowledge. Also, I have not received a replacement card valued at {$100.00}. I was never given a refund of {$100.00}. When I requested the provisional credit for the Reg E investigation, I was stonewalled and told I was not eligible for it either. 
Today. I am still out {$100.00} to which Vanilla Gift Visa has and will not return to me..

Company response to consumer: Closed with explanation