vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 am filing this complaint under the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act, as multiple accounts continue to appear on my Equifax credit report despite previously submitting a police report, FTC Identity Theft affidavit, and government-issued identification. 

These accounts include : XXXX XXXX  ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX & XXXX XXXX XXXX  ending in XXXX These accounts are the result of identity theft. I have no knowledge of these accounts, did not open them, and did not authorize anyone to open them on my behalf. I submitted all required documentation, including : An FTC Identity Theft Report A police report Proof of identity and address ( drivers license, utility bill, etc. ) A written dispute and block request Screenshots from my Equifax file showing the derogatory accounts Despite this, these fraudulent accounts have not been removed and continue to report negative payment history, high balances, and delinquencies, drastically damaging my credit. 

These accounts are in violation of the Block Law ( FCRA 605B ), which requires Equifax to block reporting of fraudulent information once a valid identity theft claim is made. 

Laws Being Violated FCRA Section 605B Failure to block identity theft-related accounts after proper documentation FCRA Section 602A & 623 Failure to maintain accurate and complete credit information 15 U.S.C. 1681c-2 Obligation to block identity theft accounts upon submission of documentation XXXX XXXX Compliance Furnishers are inaccurately reporting with outdated or unverifiable information ( XXXX days past due, high utilization at XXXX  %, etc. ) Negligent Re-Insertion These accounts were previously removed and reinserted without proper notice as outlined in FCRA 611 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 am submitting this statement to dispute the following inaccuracies on my credit report. The accounts in question do not accurately reflect my credit history, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues. The following is a breakdown of the accounts under dispute, separated by credit bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$15000.00}

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 2025-11-21 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: Experian Information Solutions 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 XXXX 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 explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I completed my XXXX recertification online on XXXX. Since my spouse has student debt that must be considered for purposes of properly calculating my monthly XXXX payment, my spouse needs to grant my loan servicer - Nelnet dba Sloan Servicing - access to her student loan data. I called Sloan Servicing twice today to request Sloan Servicing 's six-digit XXXX code to that end. Each time, Sloan Servicing claimed ( via XXXX different representatives and supposedly upon consultation with a supervisor ) that they do not have that code and insisted that I have to get it from the studentaid.gov website. However, the studentaid.gov website explicitly says I have to ask the loan servicer " directly '' for that code. I spoke with studentaid.gov via chat and they reiterated that I have to get the code from Nelnet dba Sloan Servicing and recommended I file this complaint since Sloan is lying/not cooperating. What studentaid.gov is saying is consistent with how I've had to recertify for XXXX over the last XXXX years. I've never had a problem getting the XXXX-digit organization code until Sloan Servicing recently began servicing my loans. I am concerned that Sloan Servicing is purposefully slow walking disclosure of that code in order to manufacture a delay with my XXXX recertification such that they can force me into default or to otherwise pay higher payments, interest, and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
XXXX XXXX :, Social Security XXXX, Date of Birth XX/XX/XXXX .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account opened a XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a account opened at XXXX XXXX XXXX on XX/XX/XXXX. Account XXXX These accounts have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l 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 # ( private case number ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX :, Social Security XXXX, Date of Birth XX/XX/XXXX .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a account opened a XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a account opened at XXXX XXXX XXXX on XX/XX/XXXX. Account XXXX These accounts have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I am filing a complaint regarding unauthorized charges on my TD Bank credit card. While employed at XXXX XXXX in XXXX, I added my supervisor as an authorized user on my credit card strictly for company-related expenses. 

My supervisor used the card for personal, non-business purchases, totaling approximately {$27000.00}, without my authorization. I did not approve or make these charges. 

I took the following actions to resolve the matter : My attorney sent a certified demand letter to XXXX XXXX requesting repayment of the unauthorized charges, but the company did not respond. 

I reported all unauthorized charges to TD Bank and provided documentation, but the bank has not resolved the issue or removed the charges. 

Interest continues to accumulate on the balance, increasing the financial burden and negatively impacting my credit, even though I am not responsible for these personal charges. 

I am requesting that TD Bank : Investigate the unauthorized personal charges as fraud Suspend interest and fees on the disputed balance during the investigation Remove the disputed charges from my credit report until the investigation is complete Take appropriate action to address the misuse of the authorized user privileges I have supporting documentation, including credit card statements, correspondence with the employer, and the certified demand letter, which I can provide if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: VA

Complaint narrative:
I have owned this property for almost XXXX years and have had no incidents with the previous mortgage company, my mortgage recently was transferred to a new company : Valon Mortgage Inc. I set up auto draft for XXXX using the same account that I have used for XXXX years to pay the mortgage on this property. My information was correct as demonstrated by the system processing my payment without issue in XXXX. Valon 's system failed to process the XXXX payment, and by the time I was aware that their system had malfunctioned they had pinged me for a late payment and negatively hit my credit score. I immediately made a manual payment and reached out to Valon to inquire as to what had happened with their system. I was informed that all my information for my auto payment was correct in the system. I requested that as the error was on Valon 's system and that I acted in good faith to make the payment promptly that the credit bureau report be addressed so that it would not hurt my credit score. They promised to look into the incident. All communication since then has been XXXX sided with Valon only sporadically responding to emails and never actively updating me beyond saying " XXXX more business days '' ad nauseam. In addition when I followed up via phone they said that there was information for my payments that was actually incorrect but did not tell me what was incorrect, nor could they tell me why the XXXX payment processed without issue if there was something wrong with my information. They assured me that things had been resolved and that they were still looking into the credit bureau matter. Valon 's system also failed to auto draft my XXXX payment. They have been unable to give me any information for why the XXXX payment failed. They have also not given me any update on fixing the damage to my credit score, even with the continued demonstration of the issue being somewhere within their own system. This has been a XXXX week process and still no resolution. I feel that this constitutes a clear negligence on Valon 's part in servicing obligations and improper credit reporting under the Fair Credit Reporting Act. Any assistance on this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting several items that I believe are inaccurate, unverifiable, or incomplete. My attempts to dispute these items directly with TransUnion have not resulted in a proper investigation or documentation. 

CHARGED-OFF ACCOUNTS XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX This account is extremely old and should not be reported. I dispute its accuracy and validity. 

XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX XXXX XX/XX/XXXX Balance : XXXX I do not believe these accounts are accurately reported or properly validated. I have not received documentation proving ownership, correct balances, or permissible reporting. 

XXXX XXXX XXXXXX/XX/XXXX I do not recognize this inquiry and request proof of permissible purpose. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute the late payments reported for these accounts. I have not been provided verification showing that these delinquencies occurred. 

I request that TransUnion validate each disputed account, inquiry, and late payment, or remove them if they can not be fully substantiated under the 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: EAST WEST BANK
State: CA

Complaint narrative:
I am in the middle of litigation for Fraudulent practices with East West Bank. To further harass me they have stopped payment on my checks and put a freeze on my account without authority from me. 

They continue to cause harm by not paying XXXX pay checks that I wrote in XXXX XXXX 

I contact the bank but they send letters to my attorney racking up additional fees to handle a personal business matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA 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