vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I took a personal loan of {$20000.00} from Discover Bank in XX/XX/year> with XXXX XXXX of interest per annum and a maturity date of XX/XX/year>. My monthly payment is {$520.00} with first payment due on XX/XX/year>. When the bank receives the monthly payment, the following is how they allocated the payment between the principle and interest : Payment Date Payment Amount Principle Applied Interest Applied Interest % XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of interest has turned to something else. The issue that I see here is that, the marketing people at the front lines are not telling the customers what those at the back end who write the contracts are including in the contract. The marketing people are lying to customers to get them to sign contracts that do not contain the same language. The practice of the bank is very predatory in nature. I have contacted the bank XXXX different times and pleaded for them to revise the contract, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
In XX/XX/XXXX, I realized that I would be leaving XXXX XXXX service in the XXXX with no employment waiting for me. In order to act responsibly, I contacted all of my financial institutions to inform them of my pending unemployment. Freedom Mortgage informed me that in order to qualify for any assistance I needed to allow my account to be past due. I listened. I contacted Freedom Mortgage on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I was sent a letter assigning " XXXX, XXXX XXXX XXXX '' as my single point of contact. I was given a letter on XX/XX/XXXX saying I was approved for special forbearance for 3 months. In that time I paid {$3800.00} to bring my account to {$0.00}. I have now found out that Freedom Mortgage went and reported my late payments to the credit bureaus even though they instructed me to be late if I wanted help. Other companies like XXXX asked me to be late as well but they did not report me for following their instructions. When I contacted them to sort this issue out, they closed my issue simply because I said XX/XX/XXXX, instead of the XXXX XXXX and XXXX XXXX payments. They even told me exactly what dates I missed. So instead of correcting and giving me a chance to adjust my request or, just removing the reports since they know what I'm talking about, they closed my case and said come back with 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 explanation
Consumer complaint received 2025-08-06 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The {$17000.00} account from XXXXXXXX XXXX XXXXXXXX is not mine and is being wrongfully reported on my credit. I did not apply for this account, and the application contains a Social Security number that is not mine. This is identity theft. Under Section 605B of the FCRA, I have submitted an FTC Identity Theft Report and request this fraudulent account be blocked and removed from my credit file. Reporting inaccurate information after being notified violates Section 623 of the FCRA. I am not responsible for this debt and request immediate removal within the 4-day timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am a victim of identity theft, and I have filed an official Identity Theft Report with the FTC under complaint number XXXX. This has had a significant and negative impact on my life, causing me to suffer emotional distress and financial harm. As a resident of Florida, I have the right to an accurate credit report under the Fair Credit Reporting Act ( FCRA ). The failure to remove this inaccurate information is a violation of the law and continues to cause me harm. 

My TransUnion credit report shows several fraudulent accounts and inquiries that I did not authorize : Accounts : XXXXXXXX XXXX XXXXXXXX : Account number XXXX opened XX/XX/XXXX. 
XXXX XXXX : Account number XXXX, opened XX/XX/XXXX. 
XXXX  : Account number XXXX, opened XX/XX/XXXX. 
XXXXXXXX XXXX  : Account number XXXX, opened XX/XX/XXXX. 
Inquiries : XXXX XXXX : Inquiry dated XX/XX/XXXX. 
XXXXXXXX XXXX XXXX : Inquiry dated XX/XX/XXXX. 
XXXX  : Inquiry dated XX/XX/XXXX. 

I explicitly state that I did not give anyone permission to use my personal details for these accounts and inquiries.

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 2025-08-05 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: GA

Complaint narrative:
I contacted Experian on XX/XX/year> to request the removal of XXXX outdated addresses and all employer information from my credit file, including my current employer. I made it clear this was a dispute of outdated personal information under the Fair Credit Reporting Act ( FCRA ), not a dispute of any tradeline. 

The representative ( XXXX XXXX refused to initiate the dispute, claiming the address was tied to a charge-off ( XXXX XXXX ), and stated I would need to contact the creditor directly. She then refused to provide a reference number, case ID, or confirmation that the dispute had been logged. 

I requested escalation and was told a supervisor ( XXXX ) would call me within 24 hours, but no confirmation was provided. This is unacceptable and violates my rights under the FCRA.

XXXX XXXX XXXX have already removed the same information without issue. Im requesting Experian be compelled to initiate a reinvestigation of my personal information as required by federal 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 2025-08-05 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: VA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I discovered several accounts on my credit report that are inaccurate, unauthorized, or reported with incorrect information. On XX/XX/XXXX, I reviewed my Experian credit report and noticed the following : XXXX XXXX XXXX is reporting a charged-off auto loan with a balance of {$19000.00}, opened in XX/XX/XXXX. I do not recall authorizing this account and believe it was either opened fraudulently or reported in error. 

XXXX XXXX is reporting a collection account for {$1400.00}, opened in XX/XX/XXXX. I never opened this account and did not receive services from XXXX under these terms. 

XXXX XXXX XXXX XXXX is reporting XXXX charged-off accounts. XXXX was opened in XX/XX/XXXX with a balance of {$420.00}, and the other in XX/XX/XXXX for {$100.00}. Both accounts appear to be inaccurately attributed to me. 

Another account from XXXX XXXX XXXX XXXX shows a XXXX late payment in XX/XX/XXXX, but I believe all payments were made on time and request a correction. 

XXXXXXXX XXXX XXXX XXXX late payments on a secured loan opened in XX/XX/XXXX, which was paid off in XXXX. These late payments are inaccurate. 

I am requesting that these companies investigate these reports and either provide full verification or remove the accounts immediately if they can not be validated. I did not authorize these accounts or the reported activity, and they are negatively affecting my credit.

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 2025-08-05 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: NJ

Complaint narrative:
I am submitting this complaint as a victim of identity theft and have already completed an FTC Identity Theft Report. Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I identified multiple collection accounts that do not belong to me and are being reported with serious inconsistencies. 

XXXX XXXX XXXX XXXX XXXX There are multiple entries across all three bureaus for the same original creditor, XXXX XXXX XXXX, but they are being reported under different account numbers, conflicting dates opened ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), and contradictory statuses ( open vs closed, different payment statuses ). This is highly inaccurate and misleading. 

XXXX XXXX XXXX Account This account is also showing discrepancies in balance ( {$700.00} vs {$930.00} ), and the bureaus disagree on the date of last activity and closed date. The account was reportedly charged off due to non-payment, but I never opened or authorized this account. It is a result of identity theft. 

XXXX XXXX This charge-off account reports different dates of last activity and statuses across all three bureaus. It was supposedly closed in XX/XX/XXXX, but payment activity and reporting dates do not match. I did not open this account and it was likely opened fraudulently. 

These accounts are severely damaging my credit and are being reported inaccurately, violating my rights under the FCRA. The inconsistencies between the bureaus, the duplications, and the unresolved disputes clearly indicate negligence in verification and reporting procedures.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with FTC. Under federal law, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using my identity.XXXX XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$5.00} Status Account charged off. {$5.00} written off. {$5.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$14000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$22000.00} Status Account charged off. {$20000.00} written off. {$22000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance - Status Transferred, closed. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX dispute

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 2025-08-05 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 a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with FTC. Under federal law, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using my identity.XXXX XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$5.00} Status Account charged off. {$5.00} written off. {$5.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$14000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$22000.00} Status Account charged off. {$20000.00} written off. {$22000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance - Status Transferred, closed. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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