vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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:
Subject : Dispute of Fraudulent Accounts - Identity Theft I am writing to formally dispute multiple accounts listed on my credit report that I believe to be fraudulent and the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request that these accounts be blocked and removed from my credit report within four days. The following accounts are being disputed : XXXX opened XX/XX/XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  have attached my identity theft report, which substantiates my claim that these accounts were opened without my authorization. Under the FCRA, I am entitled to request the blocking of these fraudulent accounts, and I expect these actions to be taken promptly. I have my identity theft report attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
Inaccuracies reported by XXXX for over 27 months up-to-date includes : Reporting full termination while also showing the account as open/in good standing.

Listing a balance exceeding {$15000.00} with {$0.00} payments for over 27 months after lease return, up-to-date Failing to report Date Closed, {$0.00} balance, and correct Account Status Code as required for terminated leases.

Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from furnishing information you know or have reason to believe is inaccurate. Under 623 ( a ) ( 2 ), you are required to investigate and correct or delete any inaccurate information within 30 days of receipt of this dispute. 



If you can not provide documented proof validating the accuracy of each data field, you must immediately delete the tradeline from all consumer reporting agencies and notify them of the deletion. 



XXXX needs to provide the folowing : A complete payment history showing how the current balance is being calculated. 

Documentation supporting the continued balance after lease termination. 

Confirmation that your Metro 2 coding for this account complies with the CDIA guidelines.

Failure to correct or delete will result in a complaint to the CFPB, FTC, and my State Attorney General, and I will pursue legal remedies for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Under FCRA Request for Immediate Deletion Dear XXXX  / Equifax / XXXX, I am writing to formally dispute the accuracy of a late payment entry reported on my credit file. Upon reviewing my most recent credit report provided by your agency, I identified the following item which I believe is inaccurate, unverifiable, or misrepresented : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX2019 Pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am exercising my right to dispute information I believe to be inaccurate or incomplete. Under the FCRA, you are required to conduct a reasonable investigation of the disputed information within 30 days of receiving this letter and either verify, correct, or delete any data that can not be substantiated.

Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer credit files. Reporting a late payment without verified documentation from the original creditor is a violation of this obligation.

Therefore, I am formally requesting : A full reinvestigation of the XX/XX/XXXX2019 late payment in question A copy of the method of verification used, in accordance with 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Immediate deletion of the XX/XX/XXXX2019 late payment entry from my credit report if XXXX XXXX is unable to provide original, verifiable documentation confirming its accuracy If this late payment is not verified and corrected or removed within the legally required timeframe, I will proceed to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance with federal law.

Enclosures : Copy of my Government-Issued ID Copy of a recent utility bill ( proof of current address ) Copy of my credit report with the disputed XXXX XXXX  entry clearly highlighted Thank you for your prompt attention to this matter. I expect a written response and full resolution within 30 days as prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of XXXX or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report. 

- The original signed contract or application bearing my signature. 
- Any documentation used to verify the account 's validity. 
- The name and address of the original creditor. A full explanation of how the account was verified.

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 2025-08-10 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 writing to formally dispute the accuracy of XXXX or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report. 

- The original signed contract or application bearing my signature. 
- Any documentation used to verify the account 's validity. 
- The name and address of the original creditor. A full explanation of how the account was verified.

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 2025-08-10 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is being reported inaccurately and is the subject of ongoing litigation/arbitration. On XX/XX/XXXX, Synchrony Bank confirmed in writing that they no longer own this account and directed all correspondence elsewhere. A prior lawsuit over this account was dismissed on XX/XX/XXXX. 

Despite this, the account continues to be reported post-dismissal without the required disputed notation, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 3 ). Continued inaccurate reporting after confirmed divestment of ownership constitutes furnishing information known to be inaccurate, in violation of the Fair Credit Reporting Act. 

This reporting is causing reputational harm, emotional distress, and measurable credit score damage. I demand the permanent deletion of this tradeline from all credit reports under the FCRA and request CFPB intervention to ensure full compliance by Synchrony Bank and the credit reporting agencies. 

I am attaching supporting documentation, including Synchrony Banks XX/XX/XXXX letter confirming they no longer own the account, and court records showing the lawsuit dismissal.

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 2025-08-10 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that my personal information has been used without my authorization to open fraudulent accounts and apply for services, including XXXX  related services and other financial and accounts that I did not initiate.Upon reviewing my credit reports, I found multiple unauthorized inquiries that I did not recognize. After further investigation, I confirmed that my personal information was exposed in both the XXXX  data breach and the XXXX data breach. These incidents released critical data such as my name, Social Security number, and date of birth making me vulnerable to identity theft.To formally address this, I have : Filed an Identity Theft Report with the appropriate law enforcement agency, Notified the credit bureaus of the fraudulent activity, Requested that they block and remove all unauthorized information. 
Despite my efforts, the fraudulent accounts and inquiries remain on my credit report, negatively impacting my credit profile. 
Section XXXX ( XXXX U.S. Code XXXX ) Block of information resulting from identity theft : I have submitted a valid Identity Theft Report, and under this section, the credit reporting agencies are required to block fraudulent information within XXXX business days of receiving my request and supporting documentation. 

Section XXXX ( XXXX U.S. Code XXXX ) Dispute procedures : I have disputed the inaccurate and unauthorized items on my credit reports. The credit bureaus must conduct a reasonable reinvestigation within XXXX  days and correct or delete any inaccurate, incomplete, or unverifiable information. 

Section XXXX ( XXXX U.S. Code XXXX ) Congressional findings and statement of purpose : The FCRA was enacted to ensure fair and accurate credit reporting and to protect consumers from the misuse of personal information. The continued reporting of fraudulent information violates the spirit and intent of the law. 
Attachments : Identity Theft Report ( Filed with FTC ) Government-issued photo ID

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 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket forced {$74000.00} payoff of disputed debts to close my FHA refi, issued checks directly, denied settlement request, threatened restart, and caused loss of my original lower interest rate. 

On XX/XX/year>, Rocket Mortgage closed my FHA refinance, loan XXXX, disbursed XX/XX/year>. Rocket conditioned approval and closing on full payoff of multiple negative tradelines totaling {$74000.00} without settlement options or debt validation. The Uniform Residential Loan Application lists XXXX XXXX {$24000.00}, XXXX XXXX accounts {$14000.00}, {$14000.00}, {$11000.00}, and Discover {$9900.00}, all marked to be paid off at or before closing. The Closing Disclosure confirms disbursements. Rocket issued the payoff checks directly from loan proceeds, not from my funds, making this a direct settlement practice under RESPA. 

I specifically asked Rocket to allow me to receive the funds so I could attempt to negotiate or cancel these debts for less. They refused, stating I would have to restart the refinance from the beginning with no guarantee of approval. This placed me under economic duress, deprived me of any ability to dispute or negotiate the debts, and forced me to accept a higher interest rate than my original approval in order to keep the loan from falling through. 

On XX/XX/year>, XXXX rejected my Qualified Written Request as not formal yet still provided partial documents. They did not explain or justify the payoff requirement and failed to address the servicing error, violating RESPA 2605 and Regulation X 1024.3536. 

Harm : {$74000.00} direct loss, $ XXXX higher payment, depletion of equity, inability to dispute debts, emotional distress, long-term credit harm, and loss of my originally approved lower interest rate due to Rockets payoff requirement and XXXX to restart the refinance. 

Violations : RESPA 2605, Reg X 1024.3536, TILA/Reg Z , TRID, HUD Handbook 4000.1, UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> To Whom It May Concern, The following account ( s ) remains on my credit report despite my previous dispute. I still disagree with this reporting and I am requesting an immediate reinvestigation. This information is damaging my credit and must be corrected or removed. 

Account Name & Number : XXXX XXXX XXXX Enclosed : Drivers License Social Security Card Proof of Address Furthermore, in accordance with The Fair Credit Report Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please also send me the name and business address of the entity that verified this information and provide me with an updated copy of my credit report when the investigation is complete. 

Sincerely, 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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I contacted XXXX  and spent hours on the phone with themrepeatedlybecause I had multiple charges for goods that were never delivered. Many of these charges were bundled together, making it difficult to even count how many there were. I requested an invoice audit of all transactions, but XXXX  refused to provide XXXX. 

I initiated multiple disputes regarding these charges, the most recent being on XX/XX/year>. Every single dispute was denied, and eventually XXXX  stopped allowing me to submit any further disputes. 

In addition, I completed a XXXX  gig for someone I met online and was paid {$280.00} through XX/XX/XXXX. Later, the person canceled that payment, which left my account with a negative balance. I immediately informed XXXX, provided full documentation, and submitted photocopies as proof. I called them daily, explaining the situation, but they took no action to resolve it. As a result, they effectively took that money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For Capital One Product : Checking or savings account Issue : Problem with a payment or transfer ( ACH ) Company : Capital One, N.A.

Short complaint text ( paste ) : My checking account was linked for ACH rent payments through a verified property portal. After micro-deposit verification, the merchant reports ACH acceptance issues and Im incurring fees. Please ask Capital One to confirm there are no blocks/filters on my ACH debits to the portal processor, provide the ACH return/deny codes ( if any ), and help ensure the transfer posts successfully so fees can be reversed where appropriate. THEY DID RECIEVE A TENDER PACKET VIA FAX! THEY DID NOT DELIVER TO PROPER ACCOUNTANTS/AGENTS/LEGAL DEPARTMENT THAT HANDLE EFT/ACH TRANSFERS I HAVE THEY LETTER STATING THE FACTS FROM THEM. I COULD NOT PRODUCE PHOTO NOT ENOUGH SPACE TO DOWNLOAD OR TAKE A PICTURE FOR PROOF!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: 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 XXXX XXXX, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-10 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:
I discovered unauthorized charges/collections on my credit report that I did not authorize. I have already sent a formal dispute letter to the creditor/collection agency requesting removal of these items. Despite my efforts, the issue remains unresolved. I am requesting CFPBs assistance to investigate and ensure the inaccurate information is corrected and removed.

Company response to consumer: Closed with non-monetary relief