vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: OH

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-04 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
Equifax is falsely reporting 90-day, 120-day, and 150-day late payments on my federal student loans for XXXX, XXXX, and XX/XX/XXXX, during a documented forbearance period when NO PAYMENTS WERE DUE. 

CRITICAL EVIDENCE : I have an official letter from XXXX ( Federal Student Aid servicer  ) dated XX/XX/XXXX, confirming my Borrower Defense forbearance began XX/XX/XXXX, with no payments due until XX/XX/XXXX. Despite this, Equifax reports me as delinquent during this forbearance. 

TIMELINE : - XX/XX/XXXX : Forbearance begins per FSA Borrower Defense program ( NO PAYMENTS DUE ) - XXXX XXXX : Equifax correctly shows all payments as current ( status code " XXXX '' ) - XX/XX/XXXX : Equifax shows 90 days late - IMPOSSIBLE during active forbearance - XX/XX/XXXXXXXX  : Shows 120 days late - No payments were due - XX/XX/XXXXXXXX  : Shows 150 days late - Still in forbearance - XX/XX/XXXXXXXX  : Received official forbearance confirmation letter from XXXX/FSA - XX/XX/XXXX : Submitted first dispute to Equifax with forbearance evidence XXXX XX/XX/XXXX : Equifax denied dispute without proper investigation - XX/XX/XXXX : Submitted second dispute with XXXX letter documentation - XX/XX/XXXX : Equifax denied again, refusing to correct KEY VIOLATIONS : 1. Reporting delinquencies during documented forbearance when NO payments were due 2. Mathematical impossibility - can not jump from current to 90 days late 3. Account shows $ XXXX  monthly payment due during disputed period 4. Ignoring official XXXX/CRI documentation proving forbearance status 5. Two improper investigations despite clear government documentation FEDERAL LAW VIOLATIONS : - During forbearance, loan servicers can not report negative information to credit bureaus - FCRA requires accurate reporting - claiming I'm late on payments that don't exist violates this - Equifax failed to conduct reasonable investigation as required by 15 U.S.C. 1681i DAMAGES : This false reporting has severely damaged my credit score and creditworthiness. I can not qualify for credit due to these false delinquencies that occurred when I owed {$0.00} in payments. 

REQUESTED ACTION : I need CFPB to intervene immediately to force Equifax to : 1. Remove ALL late payment notations for XXXX XXXX  2. Correct my credit report to show forbearance status during this period 3. Provide written confirmation of all corrections 4. Cease reporting false information in violation of federal law I have official government documentation proving no payments were due. Equifax 's continued false reporting after two disputes with this evidence constitutes willful FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding fraudulent activity that has occurred on my [ e.g., bank account, credit card, loan, etc. with Money Lion Inc. 

On XX/XX/year>. I noticed unauthorized activity on my account that I did not initiate or authorize. Specifically, Ive been a victim of identity theft. I lost my purse with my wallet with my information I immediately contacted XXXX to report the issue and requested a full investigation and resolution. 

Despite multiple attempts to resolve this matter directly with the institution, I have not received an adequate response or resolution. The situation remains unresolved, and the fraudulent activity continues to impact me including, financial stress, harm to my credit report, or limited access to my accounts ]. 

I am requesting that the CFPB assist in ensuring this matter is taken seriously and that the company in question follows all appropriate consumer protection regulations. I have attached relevant documentation, including account statements, email correspondence, and dispute letters, to support my claim. 

I appreciate your time and attention to this matter, and I respectfully ask that the CFPB investigate this situation further. Please feel free to contact me at XXXX XXXX for any additional information or clarification.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I submitted formal disputes to Capital One and the credit bureaus regarding two charged-off accounts ( ending in XXXX XXXX XXXXnd XXXX XXXXXXXX ). These accounts reflect ongoing negative monthly updates post-charge-off, which is misleading and likely constitutes " re-aging '' under the Fair Credit Reporting Act ( FCRA ). I have not received verification documents or validation of the account balances or charges as required. 

Violations : FCRA 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed data FCRA 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy FDCPA 15 U.S.C. 1692e false or misleading representation Relief Requested : Full deletion of both accounts from all credit bureaus due to failure to verify and inaccurate/misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX ALL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for their failure to respond to my written verification request regarding an alleged debt/account, sent on XX/XX/year> and received on XX/XX/year>. 

Under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ), they are legally required to respond within 30 days. To date, they have not provided any verification or documentation.

Since they failed to validate the information, I am formally requesting that the account be deleted from all credit reports and that any collection efforts immediately cease.

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 2025-07-04 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: GA

Complaint narrative:
I am filing this identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). My name is XXXX XXXX, and I am the victim of identity theft. Due to the common nature of my name, I believe that fraudulent or misattributed accounts may have been incorrectly linked to my consumer file, including through data breaches involving Equifax and potentially XXXX. These accounts do not belong to me, and their continued presence on my XXXX file is a violation of federal law. 

To support this dispute, I have submitted all required documentation including : My FTC Identity Theft Report ( Reference XXXX  XXXX ) A government-issued photo ID Proof of current address A written statement identifying the following fraudulent accounts The accounts in question are : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Balance : {$1600.00} Portfolio Recovery Associates Account XXXX XXXXXXXX XXXX XXXXXXXX, Balance : {$1300.00} Cavalry Portfolio Services Account number XXXX, Balance : {$4600.00} Capital XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number undisclosed, Balance unknown I did not apply for, authorize, or benefit from these accounts. No permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify their presence on my consumer report. Under FCRA 1681c-2 ( c ), XXXX is legally required to block identity theft-related tradelines within four ( 4 ) business days of receiving a valid identity theft report and supporting documents.

These accounts also violate multiple provisions of federal law : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging of derogatory data FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data 26 U.S. Code 6050P Failure to issue a 1099-C for canceled debt over {$600.00} where applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
I am filing this identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). My name is XXXX XXXX, and I am the victim of identity theft. Due to the common nature of my name, I believe that fraudulent or misattributed accounts may have been incorrectly linked to my consumer file, including through data breaches involving Equifax and potentially XXXX. These accounts do not belong to me, and their continued presence on my XXXX file is a violation of federal law. 

To support this dispute, I have submitted all required documentation including : My FTC Identity Theft Report ( Reference No. XXXX ) A government-issued photo ID Proof of current address A written statement identifying the following fraudulent accounts The accounts in question are : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX, Balance : {$1600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX, Balance : {$1300.00} XXXX XXXX XXXX  Account number XXXX, Balance : {$4600.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account number undisclosed, Balance unknown I did not apply for, authorize, or benefit from these accounts. No permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify their presence on my consumer report. Under FCRA 1681c-2 ( c ), XXXX is legally required to block identity theft-related tradelines within four ( 4 ) business days of receiving a valid identity theft report and supporting documents.

These accounts also violate multiple provisions of federal law : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging of derogatory data FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data 26 U.S. Code 6050P Failure to issue a 1099-C for canceled debt over {$600.00} where applicable

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 2025-07-04 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: GA

Complaint narrative:
File police report and FTC affadavit along with a statement showing the identity theft accounts and sent this information to the credit bureau who failed to remove the items 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

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 2025-07-04 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:
File police report and FTC affadavit along with a statement showing the identity theft accounts and sent this information to the credit bureau who failed to remove the items 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

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 2025-07-04 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: GA

Complaint narrative:
File police report and FTC affadavit along with a statement showing the identity theft accounts and sent this information to the credit bureau who failed to remove the items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
When I reviewed my credit report XX/XX/XXXX. I noticed this inquiry for a place I never applied too.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Trans Union LLC, Experian and Equifax Information Services LLC have accounts in collections that are not mine and they're reporting that on my credit report that is inaccurate to third party companies that I am not aware of. 
Subject : Dispute of Inaccurate Credit Information Under FCRA and Relevant Statutes Dear Sir or Madam, I am writing to formally dispute certain inaccurate and potentially damaging information currently reported on my credit report. As a consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request an immediate investigation and rectification of these items. Below are details regarding the inaccurate information identified in my credit profile, as provided by TransUnion.

The following accounts are being disputed due to inaccuracies, outdated payment information, and possible errors in reporting : XXXX. XXXX - Account reflects a XXXX days late status, but payments have been resolved. 
Request correction or deletion. 
XXXX. XXXX - XXXX history contains late statuses not reflecting recent arrangements. 
XXXX. XXXX - XXXX status should be re-evaluated based on outdated balance reporting. 
XXXX. XXXX - Account inaccurately reflects a charge-off despite inactivity since XXXX 
XXXX. XXXX XXXX XXXX XXXX - Debt is in dispute and unverified under 15 U.S.C.

1692g ( b ). 
XXXX. XXXX XXXX XXXX - No debt validation has been received ; listing violates FCRA and FDCPA regulations. 
XXXX XXXX XXXX - Continued reporting despite consumer dispute resolution not being reflected.

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 2025-07-04 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: NY

Complaint narrative:
Trans Union LLC, Experian and Equifax Information Services LLC have accounts in collections that are not mine and they're reporting that on my credit report that is inaccurate to third party companies that I am not aware of. 
Subject : Dispute of Inaccurate Credit Information Under FCRA and Relevant Statutes Dear Sir or Madam, I am writing to formally dispute certain inaccurate and potentially damaging information currently reported on my credit report. As a consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request an immediate investigation and rectification of these items. Below are details regarding the inaccurate information identified in my credit profile, as provided by TransUnion.

The following accounts are being disputed due to inaccuracies, outdated payment information, and possible errors in reporting : XXXX. XXXX - Account reflects a XXXX days late status, but payments have been resolved. 
Request correction or deletion. 
XXXX. XXXX - XXXX history contains late statuses not reflecting recent arrangements. 
XXXX. XXXX - XXXX status should be re-evaluated based on outdated balance reporting. 
XXXX. XXXX - Account inaccurately reflects a charge-off despite inactivity since XXXX 
XXXX. XXXX XXXX XXXX XXXX - Debt is in dispute and unverified under 15 U.S.C.

1692g ( b ). 
XXXX. XXXX XXXX XXXX - No debt validation has been received ; listing violates FCRA and FDCPA regulations. 
XXXX XXXX XXXX - Continued reporting despite consumer dispute resolution not being reflected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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