vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I submitted a written debt validation request to National Credit Systems on XX/XX/year>, for a {$50000.00} collection account they are reporting. I asked for documentation showing that the debt was valid and owed by me. They never responded or provided any supporting evidence.

Despite this, they updated the collection account on my credit report as recently as XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a company can not continue to report a collection account if it has not been validated after a formal request.

This inaccurate and unverifiable debt is negatively affecting my credit, and I am requesting its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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 2025-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I purchased a residential property at XXXX XXXX XXXX XXXX  Maine in XX/XX/XXXX using an FHA-insured mortgage. At the time of sale, no disclosures were made regarding prior fire damage, unlicensed electrical repairs, or material safety defects all of which would have disqualified the property from FHA financing. 

In XX/XX/XXXX, the seller posted a public XXXX statement admitting the home had already experienced a fire inside the wall, had dangerous electrical work performed by an unlicensed individual, and remains a major fire hazard with no repairs ever performed. 

These are clear material defects that were fraudulently concealed. The listing agent ( XXXX XXXX, XXXX XXXX XXXX ) and seller ( XXXX XXXX ) failed to disclose this information during the sale, violating both Maine disclosure law and HUD/FHA standards for property eligibility.

I submitted a complaint to HUD ( Service Request # XXXX ). HUD acknowledged receipt but informed me that I must pursue enforcement through the CFPB or legal action. I am seeking accountability for the deceptive sale of a home that never should have passed FHA underwriting or been marketed without disclosure of these critical safety issues. 

XXXX XXXX XXXX XXXX XXXX ( agent ) XXXX XXXX ( seller )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I was recently advised by customer service representatives at both TransUnion and XXXX  to submit this statement and supporting documentation regarding several unauthorized hard inquiries that have appeared on my credit report. 

These inquiries were not authorized by me, nor did I initiate any applications for credit, loans, or services that would justify these entries. I believe these are the result of fraudulent activity and are causing unjust harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request the immediate removal of all fraudulent and unauthorized inquiries from my credit report. I have attached a list of the disputed inquiries below, along with any supporting documentation, bank statement, Social Security number, and government-issued ID. 

Disputed Inquiries : Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX Bank Name : XXXX  Date of inquiry : XX/XX/XXXXXXXX  Bank Name : XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX  Date of inquiry : XX/XX/XXXXXXXX  Bank Name : XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 non-monetary relief
Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-13 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: VA

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 explanation
Consumer complaint received 2025-06-13 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:
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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Hard Inquiry in Dispute : 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 2025-06-13 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: GA

Complaint narrative:
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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
In XX/XX/year>XXXX  XXXX XXXX XXXX  charged off an account of mine and is still showing the account on my credit report with a balance due. My account is being incorrectly reported as charged off and with a balance due. This is a Metro 2 inconsistency and inaccuracy and must be removed from my report. I reached out XXXX XXXX XXXX  to find the name of the collections company they allege it was " charged off " to and they can not provide a name or phone number for me to call? All they can say is a letter will be sent in the mail? 
it has been 31 days since it was closed by them and they have no information? 
It does not make sense and I am suffering due to poor credit score for Inaccurate information. Amount of my original credit line was {$800.00} and this account shows a balance of {$1200.00} on my XXXX credit report and that is inaccurate. Please remove this item per FCRA rules.

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 2025-06-13 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: FL

Complaint narrative:
In XX/XX/year> XXXX XXXX XXXX  charged off an account of mine and is still showing the account on my credit report with a balance due. My account is being incorrectly reported as charged off and with a balance due. This is a Metro 2 inconsistency and inaccuracy and must be removed from my report. I reached out XXXX XXXX XXXX  to find the name of the collections company they allege it was " charged off " to and they can not provide a name or phone number for me to call? All they can say is a letter will be sent in the mail? 
it has been 31 days since it was closed by them and they have no information? 
It does not make sense and I am suffering due to poor credit score for Inaccurate information. Amount of my original credit line was {$800.00} and this account shows a balance of {$1200.00} on my XXXX credit report and that is inaccurate. Please remove this item per FCRA rules.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/, I submitted a dispute regarding a credit account to TransUnion through the XXXX XXXX platform. I requested that the account be verified and updated or removed if it could not be properly validated. As of today, it has been well over 30 days, and the dispute is still marked as In Review with no resolution, communication, or supporting documentation provided. 

Under the Fair Credit Reporting Act ( FCRA 611 ), TransUnion is required to complete credit disputes within 30 calendar days. Because that timeframe has passed without response or resolution, I am requesting that the disputed account be removed from my credit report in accordance with the law. 

I have made every reasonable attempt to resolve this matter directly through TransUnions dispute process, and I am now seeking CFPB assistance to ensure compliance with federal consumer protection laws.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> To Whom It May Concern Subject : Formal Notice of Identity Theft Demand for Immediate Blocking and Deletion of Fraudulent Account Pursuant to FCRA 605B and Metro 2 Compliance Dear EXQUIFAX I am writing to formally notify you that an account currently being reported on my credit file is the result of identity theft and is therefore unauthorized and fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block the reporting of any information in my file that I identify as resulting from identity theft, within four ( 4 ) business days of receiving my notice, along with proper proof of identity and a valid identity theft report. 
The account in question is as follows : XXXX Name : XXXX XXXX XXXX Account Number ( Partial ) : [ XXXX ] Amount : {$270.00} Enclosed are copies of my government-issued ID, proof of address, and a valid identity theft report ( e.g., FTC Identity Theft Report or Police Report ), satisfying the documentation required by FCRA 605B.

Additionally, continued reporting of this fraudulent account violates the Consumer Data Industry Association ( CDIA ) Metro 2 Compliance Guidelines, which require that data
furnishers and credit reporting agencies maintain accurate and complete information. Reporting a known fraudulent account is a direct breach of these standards and constitutes willful non-compliance under FCRA 623 ( a ) ( 1 ) ( A ).

Therefore, I demand the following actions immediately : Block and permanently delete all information related to this fraudulent account from my credit file within four ( 4 ) business days.

Send me written confirmation of the blocking and deletion. 
Notify the furnisher of this information that it has been blocked due to identity theft, as required by law. 
If you fail to comply with these legal obligations, you will be in violation of the FCRA, subject to civil liability, including actual damages, statutory damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

I expect a prompt and compliant resolution to this matter. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX Enclosures : Government-issued ID Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGL Associates, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I visited XXXX XXXXXXXX XXXX XXXX XXXX and provided my identification and XXXX XXXX card at the time of service. In XX/XX/XXXXXXXX I discovered that I had a {$1600.00} medical debt in collections listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX  a debt I was never notified about. I contacted the hospital and several billing agencies, including XXXX XXXX and XXXX XXXX XXXX They confirmed that my account had no address, phone number, or insurance information and was listed under a fake placeholder address : XXXX XXXX XXXX GA XXXX. They also had the wrong middle initial on file. As a result, my insurance was never billed and I received no notification of this bill. XXXX confirmed that I was covered at the time and that no claim was ever filed. This debt has been passed through multiple collections agencies ( XXXX XXXX, XXXX, and RGL Associates ). Despite these billing failures, the debt has been reported to the credit bureaus and is damaging my credit. I am requesting that this collection be removed and that the hospital and its third-party billing companies be held accountable for their failure to follow basic billing and notification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
Hello, to whom this matter may concern. 
On XX/XX/XXXX I received an alert from my experian credit monitoring app of a collection account has been added to my credit profile, and its delinquent and dropped my score. 
This account reporting is not an account associated with me, I have no knowledge, recollection or business dealing and or agreements with the creditors listed below. This is random & obviously fraudulent! I am a victim of identity theft since XXXX  which is reported with experian, I have several police reports, complaints with ftc, and better business bureau on file with Experian thats Ive sent in over the years. This reporting is causing me great stress and mental/ financial hardship. Random reporting of inaccurate information has done damage to my credit profile has been making it hard to purchase a home which Im in the process of definitely emotionally draining. 

XXXX XXXX  Account # 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