vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastpoint Recovery Group, Inc
State: IA

Complaint narrative:
I was contacted XX/XX/year> by East point recovery group for a debt with XXXX for a purchase with XXXX XXXX. This debt was paid back in XX/XX/year> to a different collection agency, shown in the attached document. This payment came after notification that there was going to be document served for collections, I spoke with a representative on the phone, and paid over the phone. This was the only purchase through the service of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a consumer working to resolve discrepancies on my credit report. I have found several inaccuracies and disputed accounts across the XXXX credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). Below are the accounts I am disputing for your review. 

Charged Off Accounts : XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  ( Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Opened : XX/XX/XXXX, Balance : {$0.00} XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: LJ Ross Associates
State: TX

Complaint narrative:
Duplicate Reporting of the Same Debt FCRA Violation I am filing a complaint because XXXX XXXX and L J Ross Associates are both reporting the same {$130.00} debt on my credit report at the same time. 

XXXX XXXX reports : Charge-off {$130.00} past due L J Ross Associates reports XXXX Collection Same {$130.00} debt This is duplicate reporting, which is misleading and violates FCRA 602 and 607 requiring fair and accurate reporting.

The original creditor must update to : {$0.00} balance Closed/ Transferred/ Sold Instead, both companies list the same balance, causing score damage and confusion.

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 2025-12-09 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: NE

Complaint narrative:
Im filing this complaint because there are accounts and addresses on my credit reports that do not belong to me, and I recently learned that my personal information was exposed in multiple data breaches. I had no idea my information had been compromised until I started seeing accounts and addresses tied to me that Ive never had any connection to. This has been overwhelming and honestly scary because it feels like Im dealing with the fallout of something I didnt cause. 

There is a XXXX account ending in XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing up as if I opened them. I never applied for these accounts, never used them, and never received any communication about them. The activity and addresses linked to these accounts do not match my life in any way. These items have already damaged my credit and created unnecessary stress when trying to verify my identity or apply for legitimate credit. 

On top of that, two addresses Ive never lived at XXXX XXXX XXXX and XXXX XXXX XXXX were added to my credit file. I have no relationship to these locations, but they suddenly appeared after the data breaches that exposed my information. It feels clear that whoever got access to my information used it to open or attempt to use accounts and attach false addresses that have now ended up on my reports. 

I filed an identity theft report, and under FCRA 605B, these fraudulent accounts and false addresses should be blocked and removed because they came from unauthorized use of my personal information. Under FCRA 605C, they should not be reinserted unless the bureaus get proper certification, and under FCRA 609 ( e ), Im requesting any documents, applications, signatures, or records the furnishers relied on because none of this belongs to me. 

To prove my identity clearly, I will be attaching my government-issued ID, my Social Security documentation , and two proofs of my actual address. I just want the information that isnt mine removed so I can move forward without being blamed for something caused by data breaches and identity theft. 

This whole situation has been extremely frustrating, and I am trying to do everything the right way. I did not open these accounts, I did not authorize anyone to use my information, and the addresses are not connected to me at all. Im asking for help to get these fraudulent items taken off my credit reports so I can finally regain control over my identity.

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 2025-12-09 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: TX

Complaint narrative:
SUBJECT : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to BLOCK and DELETE all fraudulent information immediately and to remove ALL inaccurate personal information.

To Whom It May Concern, I am disputing multiple inaccurate items appearing under my TransUnion consumer report and demanding immediate blocking under FCRA 605B and deletion of ALL inaccurate personal information. 
The following fraudulent accounts appear under my TransUnion consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  multiple versions reported These accounts contain inconsistent reporting and were opened fraudulently without my authorization. 
Additionally, TransUnion is reporting inaccurate personal data including names, addresses, and identifying information which DO NOT belong to me. Under FCRA 1681a ( 4 ) and 605B, such personal information must be deleted immediately.

Further, TransUnion is reporting without permissible purpose under 15 U.S.C. 1681b, in violation of my rights.

I demand immediate blocking and deletion of all accounts and personal data listed and expect written confirmation once completed.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Although my funds were insufficient, the banking institution allowed my account to be significantly overdrawn, then refused to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
A hard inquiry from XXXX ( XXXX ) appeared on my Equifax report dated XX/XX/year>. I did not apply for credit, authorize the inquiry, or initiate any transaction with this company. There is no open account associated with this inquiry. 

Under FCRA 604 ( a ), a furnisher must have a permissible purpose to access my credit report. XXXX has not provided any documentation proving my authorization or any valid purpose for this inquiry. 

I disputed this inquiry with Equifax, and they failed to provide a method of verification or proof of permissibility. Equifax is reporting an inquiry that was obtained without authorization and without a permissible purpose, which violates FCRA 604 ( a ), 607 ( b ), and 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Good day, Greetings, I trust this message finds you well. I am writing to address the following accounts. This item appears on my credit report, and it is significantly impacting me. I am a victim of identity theft, and my personal information has been compromised. Consequently, these accounts are appearing on my credit report. These accounts are significantly impacting me, as they are not under my ownership, and I should not be held liable or responsible for activity associated with accounts opened without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I deny these accounts as they are unrelated to me ; remove them within 15 days.

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 2025-12-09 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:
Can you check over this entry? It looks delayed and potentially wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

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 you have 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 non-monetary relief
Consumer complaint received 2025-12-09 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:
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 you have 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and Citibank N.A. regarding an alleged credit card account ending in XXXX that is being unlawfully collected and inaccurately reported. 

On XX/XX/year>, XXXX XXXX XXXX XXXX mailed me a letter claiming they were providing validation. The letter did NOT include a signed contract, itemized accounting, charge-off history, assignment records, chain of title, or any documentation proving ownership of the account. 

Instead, the debt collector admitted they do NOT possess these documents and instructed me to request them from Citibank. This violates FDCPA 1692g ( b ), which requires the debt collectornot the consumerto obtain and provide validation. 

Despite being unable to validate the account, XXXX XXXX continues reporting it to the credit bureaus. Furnishing unverified or inaccurate information is a violation of : FDCPA 1692e ( 8 ) FCRA 1681s-2 ( b ) FCRA 1681e ( b ) Metro-2 Reporting Standards Because the collector can not validate the debt, the account is unverified and must be removed. I am requesting CFPB investigation into the unlawful collection activity and inaccurate reporting, and I request immediate deletion of the tradeline. 

The XXXX XXXX letter dated XX/XX/year> is attached as evidence.

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 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my forbearance request and the overall customer service experience I have received. 

I initially inquired about a XXXX forbearance in XX/XX/year> due to financial strain caused by relocating and having to pay both rent and our existing mortgage. Despite never missing a single mortgage payment, we are currently struggling and sought temporary assistance. 

On XX/XX/year>, I submitted all required documents along with the completed forbearance application. Since then, I have not received any update on the status of my request. 

Additionally, each time I call for information, I am placed on hold for no less than XXXX minutes, which is extremely frustrating and has made the process even more stressful. This level of customer service is unacceptable, especially for borrowers who have maintained a consistent payment history. 

I respectfully request an immediate update regarding my application, clear communication on next steps, and XXXX in accessibility to customer support. 

Thank you for your attention to this matter. I look forward to a prompt response.

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