vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: ID

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
Elan XXXX XXXX XXXX XXXX XXXX Attn : XXXX Disputes XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Note that the below is being submitted as a CFPB, rather than via the above address, as I need to be able to track and confirm requests that are sent to your bank. 

I am writing to formally appeal any negative marks reported to all credit bureau regarding my credit card account XXXX, which currently reflects a XXXX overdue payment. I was told that negative marks would be reported to the credit bureaus by phone today after contacting Elan XXXXXXXX XXXX customer support. These missed payments were due to an error in the auto-pay setup on XX/XX/XXXX and lack of adequate notifications, as detailed below. I request that US Bank remove any negative marks from my credit reports across all bureaus, as I have taken immediate steps to resolve the issue and will ensure this issue does not happen moving forward. 

On XX/XX/XXXX, my credit card with Elan was closed. On XX/XX/XXXX, I called the automated phone system to enroll in auto-pay for the remaining balance, receiving confirmation during that call that auto-pay was setup successfully ( I have not troubleshooted with Customer Service regarding why this XXXX occurred on XX/XX/XXXX but can, if needed ). As I was unaware that auto-pay was not properly established, several missed payments since XXXX took place. As my account was closed, I could not access it online to monitor payment status ( this is something your bank should re-think ) and only received a notification by physical mail on XX/XX/XXXX. 

I immediately contacted Elan today, XX/XX/XXXX, and confirmed that auto-pay was correctly re-setup and scheduled a payment for XX/XX/XXXX to cover the entire overdue balance. However, I was informed that the account had reached 30 days past due on XX/XX/XXXX and the missed payments would be reported to the credit bureaus as a result. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit bureaus. However, this negative mark is unfortunately due to an erroneous auto-pay setup through the bank 's automated system and the lack of timely, clear notifications, which prevented me from addressing the issue sooner. I have never experienced a missed payment in my lifetime and I will be monitoring every monthly statement sent by email from Fidelity moving forward ( as this is the most immediate/only correspondence sent by the bank regarding my account ) to ensure no erroneous changes occur in the future regarding auto-pay. However, given the above, I ask that Elan rescind any negative marks sent to the credit bureaus regarding these unexpected missed payments, and confirm the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I spoke with XXXX at Velo Law debt collection agency this morning on XXXX regarding this XXXX XXXX  service on XXXX. We didn't receive any notification from Velo Law debt collector prior to yesterday, which was a phone call from Velo Law debt collector agency on XXXX. As stated, and should be noted in your system, that we did not receive a bill XXXX XXXX or an EOB from our insurance company to this date XXXX. Our insurance company confirmed this XXXX  service for XXXX from XXXX XXXX dictated by XXXX XXXXXXXX XXXX, was not submitted to this date XXXX. This places the service past XXXX XXXX XXXX XXXX  months and past the Timely Filing Limit. 
We are requesting Debt Validation and itemized statement for this bill for the service on XXXX from XXXX XXXX. 

XXXX, from Velo Law, was informed of this over the phone today on XXXX, of this discrepancy after I explained the bill was not submitted to insurance which is in-network or mailed to our home. XXXX was not going to reach out to the billing agency to rectify this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove all unauthorized fraudulent accounts and inquiries. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am formally requesting the review and removal of any unauthorized accounts and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OR

Complaint narrative:
Violation of our consumer rights under FCRA Section 623 ( a ) ( 3 ) [ 15U.S.C. & 1681s-27 ( a ) ( 3 ) Duty to provide Notice of Dispute Lending Disparities Fair Lending Analytics The NCUA identified `` Compliance Management System weaknesses They have violated consumer protection laws that require transparency and proper notification regarding changes to services.

a ) Failure to provide Required Disclosures B ) Fraudulent Adverse Actions-Fraudulent Credit Reporting C ) Unfair & Deceptive Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OR

Complaint narrative:
Violation of our consumer rights under FCRA Section 623 ( a ) ( 3 ) [ 15U.S.C. & 1681s-27 ( a ) ( 3 ) Duty to provide Notice of Dispute Lending Disparities Fair Lending Analytics The NCUA identified `` Compliance Management System weaknesses They have violated consumer protection laws that require transparency and proper notification regarding changes to services.

a ) Failure to provide Required Disclosures B ) Fraudulent Adverse Actions-Fraudulent Credit Reporting C ) Unfair & Deceptive Practices Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting a complaint to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits & quot ; furnishing certain deceptive forms & quot ;. I & # 39 ; d like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced items that need to be updated to reflect positive and or removed from my credit report. 
Specifically, the following items on my report are disputed : Please remove these inaccurate names as soon as possible. These is not my name. Please verify and delete them immediately. 
XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate addresses as soon as possible. These are not my home address. Please verify and delete them immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2025-07-31 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: NE

Complaint narrative:
There has been unauthorized access to my credit report by multiple companies, directly damaging both my credit and my score. I previously raised this issue with your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored these inquiries still appear on my report. This inaction is unacceptable. 

The continued presence of these potentially fraudulent entries raises serious concerns, including the possibility of identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NE

Complaint narrative:
There has been unauthorized access to my credit report by multiple companies, directly damaging both my credit and my score. I previously raised this issue with your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored these inquiries still appear on my report. This inaction is unacceptable. 

The continued presence of these potentially fraudulent entries raises serious concerns, including the possibility of identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Starting in XXXX we became a victim of financial institutions activity with our mortgage payments to PHH Mortgage. Banks were processing and return payments until I needed to stop payments and pay thru bill pay online and it failed too.Continuosly during that time I been fully communicating with PHH Mortgage to keep them updated .The mortgage admit and acknowledge that it was hard to get clearance status of my check funds cause bank were stating that insufficient payment and PHh couldn't get payments for 10 days then a moment I stop payment within XXXX working days the funds were back to my account. I called PHH Mortgage to notify that I have funds available and willing to bring account current in return they start offering Deferral payment plan XXXX  modifications process I said no I just need to bring my account current since I became victim of financial fraud activity related to overdraft protections which I was aware exists on my account.zon last conversation with Phh until today I been told to call in on XX/XX/XXXX or XXXX since its 31 days to make a payment in the amount XXXX XXXX for 3 month to bring account current when I called today they said no account been brought to foreclosure amd they can't accepts my payment and now I need to wait another XXXX working days for reinstatement quite since I am willing to bring account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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