vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the following fraudulent information on my credit report. I recently discovered that an account was opened in my name without my knowledge or authorization. XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX ) Account Number ( last XXXX digits ) : XXXX Balance Reported : {$130.00} Date Opened : XX/XX/year> This account is the result of identity theft. I did not open this account, nor have I ever authorized anyone to do so In accordance with the Fair Credit Reporting Act ( FCRA ) and supported by the Federal Trade Commission ( FTC ) Identity Theft Report included with this letter, I request that this fraudulent account be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
I am the victim of identity theft and CRA 's has unlawfully reinserted fraudulent tradelines after they were previously deleted. Specifically : XXXX XXXX Acct # XXXX Previously deleted under FCRA 605B. 
Reinserted in XX/XX/year> without required certification or notice. 
Continues to report a balance post-charge-off, violating XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Deleted in XX/XX/year> following FCRA 605B block. 
Reinserted on or about XX/XX/year>, without certification or notice. 

CRAs actions violate : FCRA 605B Failure to permanently block identity theft accounts.

FCRA 611 ( a ) ( 5 ) ( B ) & ( C ) Unlawful reinsertion without furnisher certification or XXXX written notice. 

FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum accuracy.

FCRA 623 Furnishers XXXX XXXX XXXX XXXX XXXX ) knowingly reporting false information. 

I have already provided CRA 's with : FTC Identity Theft Reports ( # XXXX & # XXXX ) XXXX Police Report ( # XXXX ) XXXX XXXX Police Report ( # XXXX ) DOJ Victim Notification ( Case # XXXX ) Prior dispute results showing these tradelines were deleted and then reinserted. 
Despite overwhelming proof, Experian continues to unlawfully report these accounts. 

XXXX. Desired XXXX XXXX deletion of XXXX and XXXX XXXX tradelines. 
Written confirmation that Experian will not reinsert them again. 
Copies of any certification documents allegedly received from furnishers for reinsertion. 
XXXX that Experian will follow FCRA reinsertion requirements moving forward. 

XXXX. Harm Suffered CRAs reinsertion of fraudulent accounts has caused : Ongoing credit denials. 
Reputational harm. 
Emotional distress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-05 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: MI

Complaint narrative:
I am the victim of identity theft and CRA 's has unlawfully reinserted fraudulent tradelines after they were previously deleted. Specifically : XXXX XXXX Acct # XXXX Previously deleted under FCRA 605B. 
Reinserted in XX/XX/year> without required certification or notice. 
Continues to report a balance post-charge-off, violating XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Deleted in XX/XX/year> following FCRA 605B block. 
Reinserted on or about XX/XX/year>, without certification or notice. 

CRAs actions violate : FCRA 605B Failure to permanently block identity theft accounts.

FCRA 611 ( a ) ( 5 ) ( B ) & ( C ) Unlawful reinsertion without furnisher certification or XXXX written notice. 

FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum accuracy.

FCRA 623 Furnishers XXXX XXXX XXXX XXXX XXXX ) knowingly reporting false information. 

I have already provided CRA 's with : FTC Identity Theft Reports ( # XXXX & # XXXX ) XXXX Police Report ( # XXXX ) XXXX XXXX Police Report ( # XXXX ) DOJ Victim Notification ( Case # XXXX ) Prior dispute results showing these tradelines were deleted and then reinserted. 
Despite overwhelming proof, Experian continues to unlawfully report these accounts. 

XXXX. Desired XXXX XXXX deletion of XXXX and XXXX XXXX tradelines. 
Written confirmation that Experian will not reinsert them again. 
Copies of any certification documents allegedly received from furnishers for reinsertion. 
XXXX that Experian will follow FCRA reinsertion requirements moving forward. 

XXXX. Harm Suffered CRAs reinsertion of fraudulent accounts has caused : Ongoing credit denials. 
Reputational harm. 
Emotional distress and financial hardship.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
I am constantly having to be on the run around with Mohela. I am never able to get through, I get hung up on and it is just impossible to deal with them. I call often with no answer. 
Recently in XX/XX/XXXX I received a XXXX XXXX. I called Mohela to let them know as I got a letter trying to charge me almost {$900.00} per month. I told them that I was XXXX, had medical plus struggling to keep a roof over my head as well as not working and they still were not going to work with me. I was asked to fill out an IDR application and just use stated income but there was no follow up at all. My loan is now in a XXXX XXXX lawsuit so it is completely frozen. I am not even able to report any XXXX XXXX XXXX and when I called to inquire they expressed I would need to fill out another IDR application again when I have done that several times. On XX/XX/XXXX, I even got a letter to deny my IDR application because I have too many filled out and they then placed my loan in forbearance, which still charges a high interest rates. I have a XXXX and still paying medical bills. This loan is over XXXX XXXX XXXX and the balance is outrageous, inaccurate and just incorrect as there is no way I owe this much on this loan. Mohela has to be stopped. I am a XXXX, minority that has been granted a XXXX chance at life in XX/XX/XXXX and this XXXX XXXX has failed its citizens.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-05 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: IL

Complaint narrative:
XXXX Yellow XXXX XXXX, XXXX, IL XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( XXXX ), my office disputes the following inaccurate or unverifiable items on XXXX XXXX credit reports prepared by TransUnion, Equifax, and Experian. The consumer is a confirmed identity-theft victim who has filed or will file an FTC Identity Theft Report and has placed an initial fraud alert on his file. Under XXXX, upon receipt of a valid identity-theft report the bureaus must block any fraudulent items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: HI

Complaint narrative:
To Whom It May Concern : I am disputing and requesting validation of the alleged debt reported under Southwest Credit Systems allegedly owed to XXXX XXXXXXXX XXXX XXXX Under FDCPA 809 ( b ), provide : Verification of the original creditor and proof of assignment. 
An itemized statement showing how the balance was calculated. 
Proof of legal authority to collect in my state.

Verification of the correct Date of First Delinquency ( DOFD ).

If you can not validate, you must immediately delete this trade line from my credit reports and cease collection activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a line of equity open at BMO. Each month when I paid the monthly payment, it was always credited to me at least XXXX or XXXX days late. I requested that the company correct the practice because if I am credited not on the day I paid, I would be charged extra day interests. However, the company said it is the way it shows the payment. I noticed this practice ever since BMO bought XXXX  XXXX XXXX. 

For example, I paid this month on XX/XX/year>. The payment did not show on my statement until XX/XX/year>. 

I ask the company to correct this practice and credit me any extra one or day interest it charges me.

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 2025-09-05 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$0.00}

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion regarding multiple inaccurate late-payment notations and incomplete payment-history data. Despite my dispute, TransUnion continues to report late payments that are not supported by the payment history and/or are otherwise unverifiable. 

Accounts at issue : XXXX  Acct XXXX Reported late : XX/XX/XXXX XXXX Acct XXXX Reported late : XX/XX/XXXX XXXX Acct XXXX Reported late : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Acct ending XXXX Reported late : XX/XX/XXXX My payment history reflects OK ( on time ) for the periods in question, yet TransUnion is reporting derogatory late-payment marks. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation of disputed information. 

Under 15 U.S.C. 1666b, creditors may not assess late fees or report late payments unless proper billing/notice was provided in the required timeframe. 

These entries are inaccurate, incomplete, and/or unverifiable

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 2025-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : DEPT OF ED/XXXX XXXXXXXX Balance {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance {$4300.00} DEPT OF EDXXXX XXXXXXXX Balance {$1200.00} DEPT OF ED/XXXX XXXXXXXX Balance {$10000.00} DEPT OF ED/XXXX XXXXXXXX Balance {$300.00} DEPT OF EDXXXX XXXXXXXX Balance {$2000.00} DEPT OF EDXXXX XXXXXXXX Balance {$4600.00} DEPT OF ED/XXXX XXXXXXXX Balance {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company is violating my rights and haven't verified information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have a placed inaccurate information on my credit report. I have made many attempts with having this account removed from my credit report. This company is violating my consumer rights. I'm entitled to {$1000.00} per violation listed. They need to either pay me or delete this account immediately.

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 2025-09-05 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I found that Wakefield & Associates is reporting an account that does not belong to me. I disputed this with the credit bureaus, but the company verified the account without providing any supporting documentation or proof of a valid contract bearing my signature. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate information, and under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide proper validation upon request. This company has failed to comply with these requirements and continues to damage my credit with inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX  XXXX XXXX XXXX XXXX XXXX {$8300.00} XXXX XXXX  XXXX  XXXX XXXX {$190.00}

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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts wrongfully reported under my name. I did not authorize or approve these accounts, and their reporting represents a serious breach of my financial security. Such inaccuracies are damaging, unlawful, and can not remain on my credit profile.

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