vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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 XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : CREDIT COLLECTIONS- XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX XXXX XXXX Account XXXX Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened XXXX I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act.

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information. 

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B.

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine.

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Absolutely. Heres a revised version tailored for resubmission through the CFPB portal. This version is concise, assertive, and clearly framed to help the CFPB caseworker understand your core complaint and the corrective action youre requesting from TransUnion. 



To CFPB and TransUnion : This is a clarification of my original complaint.

My dispute is not with one specific tradeline, but with the unfair and damaging credit score assigned to me by TransUnion, which does not accurately reflect my creditworthiness and has caused a snowball effect of negative financial consequences. 

In XX/XX/year>, XXXX closed one of my oldest credit accounts due to inactivity. I had no balance, no missed payments, and a longstanding positive history with that account. Immediately after the closure : My TransUnion score dropped significantly. 
XXXX reduced my credit limit. 
XXXX XXXX XXXX closed my credit card accountdespite me being a long-time customer with direct deposit and perfect payment history. 

When I disputed these decisions with each creditor, all of them cited XXXX credit score and report as the reason for their action. 

While I understand that credit utilization and account closures can affect credit scores, in this case : The closures were not due to missed payments or financial risk. 
I have never made a late payment and always pay above the minimum. 
I am being penalized for responsible financial behavior. 

This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : I have the right to dispute inaccurate or incomplete information, including scoring models that fail to account for context.

The score assigned to me is artificially low, and does not accurately reflect my risk or payment behavior. It has triggered a chain reaction that now makes it even harder to recover.

I am requesting : 1. A full reinvestigation of how my score was calculated following the XXXX closure. 
2. Removal or correction of any adverse impact related to XXXX, XXXX, and XXXX  XXXX XXXX accounts that were not closed due to default or delinquency. 
XXXX. A written explanation of how XXXX model complies with the accuracy requirements of the FCRA in situations like mine. 

Please escalate this matter. I am seeking a fair resolution to prevent further damage to 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing a {$160.00} balance reported as owed to XXXX XXXX, which was sold to XXXX XXXX XXXX XXXX without my knowledge or proper notification. 

Details : I discovered this account on XX/XX/year>, while reviewing my credit report. 

I immediately contacted XXXX, who stated the account had been sold to collections. I was never informed of this sale or given notice of a balance due beforehand. 

The last bill I received ( XX/XX/year> ) showed the account as PAID. XXXX now claims a different " final bill '' was sent to an address I no longer reside at. 

Neither XXXX nor XXXX XXXX XXXX has provided any validation of the debt or the chain of custody showing how this account ended up with a third-party collector. 

I received no 30-day notice or opportunity to dispute the debt before it was reported to the credit bureaus, in direct violation of the FDCPA and FCRA.

This debt appears to have been written off and potentially sold, meaning XXXX may have already received financial benefitso why is there still a balance showing as owed by me?

Question to CFPB : If the original creditor received compensation through a tax write-off and sold the account to a collection agency ( who now seeks payment from me ), without ever properly notifying me, does this not raise significant legal concerns regarding double recovery and failure to comply with consumer protection laws?

Request for Resolution : I respectfully request : Immediate deletion of this XXXX account from all credit reporting agencies due to inaccurate and unverifiable reporting. 

An investigation into the legality of the account transfer and reporting process. 

Full documentation proving ownership, notice compliance, and validation of the alleged debt. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing a {$160.00} balance reported as owed to XXXX XXXX, which was sold to XXXX XXXX XXXX XXXX without my knowledge or proper notification. 

Details : I discovered this account on XX/XX/year>, while reviewing my credit report. 

I immediately contacted XXXX, who stated the account had been sold to collections. I was never informed of this sale or given notice of a balance due beforehand. 

The last bill I received ( XX/XX/year> ) showed the account as PAID. XXXX now claims a different " final bill '' was sent to an address I no longer reside at. 

Neither XXXX nor XXXX XXXX XXXX has provided any validation of the debt or the chain of custody showing how this account ended up with a third-party collector. 

I received no 30-day notice or opportunity to dispute the debt before it was reported to the credit bureaus, in direct violation of the FDCPA and FCRA.

This debt appears to have been written off and potentially sold, meaning XXXX may have already received financial benefitso why is there still a balance showing as owed by me?

Question to CFPB : If the original creditor received compensation through a tax write-off and sold the account to a collection agency ( who now seeks payment from me ), without ever properly notifying me, does this not raise significant legal concerns regarding double recovery and failure to comply with consumer protection laws?

Request for Resolution : I respectfully request : Immediate deletion of this XXXX account from all credit reporting agencies due to inaccurate and unverifiable reporting. 

An investigation into the legality of the account transfer and reporting process. 

Full documentation proving ownership, notice compliance, and validation of the alleged debt. 

Thank you for your attention to 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 2025-06-01 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 XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : CREDIT COLLECTIONS- XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX XXXX XXXX Account XXXX Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened XXXX I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act.

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information. 

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B.

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine.

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-06-01 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 do Not Recognize this address please remove thank you XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2025-06-01 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account beginning in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureau and the furnisher. However, the late payments remained without proper validation or documentation. Under 15USC 1681S 2 A, furnishers must report accurate information and 15USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. However, neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and legality of XXXX XXXX XXXX account # XXXX, which is being reported on my credit file as a collection account with a past due balance of {$1600.00}. I was never properly notified nor given a lawful opportunity to dispute this debt under the FDCPA. I request certified documentation, including proof of ownership, a signed agreement, and chain of custody for this alleged debt. If XXXX XXXX can not provide this information, I request that the tradeline be deleted immediately from my credit report. Reporting unverifiable debt may constitute willful noncompliance with the FCRA 623 ( a ) ( 1 ) ( A ) and is grounds for formal legal action under FCRA 616.

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 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
XX/XX/XXXX I moved into an apartment that was based on income. Every year when it was time to renew my lease I would have to meet with the property manager to go over new income information and new rent amount. I stayed at these apartments for 5 years kept up with my rent since I've been there. One day I received an letter in my mail to come to the leasing office. So when I arrived we had a new management team and they told me in my files that I owed {$3000.00} in backpay that I had no knowledge of & when I asked for the information it got swept under the rug & I never heard about it again until XX/XX/XXXX I received notice to vacate from a sheriff that served me. They gave me 3 days to move. I have heard from previous neighbors that the property manager was taking money and it affected a lot of residents and they also got notices that they owed money in backpay as well. I have heard some people got this issue resolved but as for me I have not & its been hard trying to find a decent place to live for me and my child with this eviction on my credit. Also they sent my information to a 3rd party collection without my consent or anything its called Rent Recovery Solutions LLC I have called them about this matter and they have failed to send me information about this situation. I've also heard they have scammed a lot of people out of money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I need for Sequium Asset Solution to remove this item from my credit immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Had a credit card with XXXX and there was some fraud on it, I disputed charge they wouldnt remove it, I gave police report and employor letter stating I was in different city at the time. XXXX refuses to remove the item and in 20 years it's the only negative item on my credit. To think that the XXXX XXXX XXXX I have sed in credit to have XXXX, XXXX item hurt 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 explanation
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Had a credit card with XXXX and there was some fraud on it, I disputed charge they wouldnt remove it, I gave police report and employor letter stating I was in different city at the time. XXXX refuses to remove the item and in 20 years it's the only negative item on my credit. To think that the XXXX XXXX XXXX I have sed in credit to have XXXX, XXXX item hurt 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 2025-06-01 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:
Had a credit card with XXXX and there was some fraud on it, I disputed charge they wouldnt remove it, I gave police report and employor letter stating I was in different city at the time. XXXX refuses to remove the item and in 20 years it's the only negative item on my credit. To think that the XXXX XXXX XXXX I have sed in credit to have XXXX, XXXX item hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
To Whom It May Concern, I am formally disputing the following hard inquiries listed on my credit report that appear to be unauthorized or made without a permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604 ( a ), hard inquiries must have a permissible purpose and consumer authorization. If these inquiries can not be verified with documentation showing my explicit consent, they must be deleted.

Additionally, per : FCRA 605 ( a ) : Unverifiable or inaccurate information must not be reported.

FCRA 611 : You are required to investigate and correct or remove inaccurate information within 30 days.

FCRA 605B : If any of these inquiries resulted from identity theft or unauthorized use, they must be blocked upon request.

Please investigate these inquiries. If you are unable to verify them with proper documentation, I demand their immediate removal from my credit report. Please provide written confirmation of the results.

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 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding a persistent issue with my XXXX  credit report. On XX/XX/year>2025, I made an attempt to settle the account in question. Unfortunately, despite my efforts, the system did not allow me to complete the payment and subsequently revoked the reduced settlement offer.

This situation has caused significant challenges and is negatively affecting my credit standing. I request your intervention to ensure that the settlement option is reinstated and that the account in question is deleted from my XXXX  credit report as previously agreed upon. 
Your prompt attention to this matter is greatly appreciated, as it is crucial to address the inaccuracies and minimize further impact on my credit profile. Thank you for your assistance.

Company response to consumer: Untimely response