vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau to reiterate my request for the correction and verification of my personal information as it continues to be inaccurately reported on my credit file. Despite my prior submissions and the documentation I previously provided, the inaccurate details related to my name, date of birth, residential address, and employer remain uncorrected. These discrepancies are creating an ongoing risk of misidentification and continue to affect the accuracy and reliability of my credit profile. 

My previous address must be removed, as it no longer reflects my current residence, and the information being reported does not align with the documentation I have already submitted. Additionally, my full legal name and employer must be corrected to reflect my accurate and verified personal information. The continued reporting of outdated or incorrect information raises concerns regarding the completeness and reasonableness of the procedures being used to maintain my file under the requirements of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit report contains multiple inaccurate, unverified, and improperly reported accounts. The furnishers and credit bureaus have failed to provide any valid documentation required under the Fair Credit Reporting Act, including verification, original contracts, billing statements, and proper investigation. These errors have caused financial harm, denials, and emotional distress. This complaint requests full reinvestigation, correction, and enforcement of FCRA compliance. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Late Payment XXXX XXXX This account is being reported with a late payment without providing me any written notice required under FCRA 609 ( a ) and without verifying the accuracy under XXXX ( a ). The furnisher has not shown any original records proving the delinquency, and reporting without proper validation violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$23000.00} Late Payment XXXX XXXX This late payment was never validated or properly communicated to me in writing. FCRA 607 ( b ) requires maximum accuracy, and reporting a late status without furnishing proof of the alleged delinquency violates 623 ( a ) ( 1 ) ( A ). I request removal if documentation can not be produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Chargeoff XXXX XXXX  This utility account is being reported as a chargeoff without supplying me with any billing records, proof of service, or final statement required under FCRA 609 ( a ). If you can not verify this using actual documentation, you must delete under FCRA 611. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX XXXX  This furnisher has not provided proof of the alleged debt or any original agreement. Reporting a chargeoff without supporting evidence violates FCRA 623 and 607 ( b ), and I request removal if it can not be verified with physical documentation. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXXXXXX XXXX XXXX  I do not recognize this account, and no notice or documentation has ever been provided. This appears to be an unverified and possibly fraudulent account, violating FCRA 602, 607 ( b ), and 611 because no verification has been presented. 

I am requesting full reinvestigation, immediate correction, removal of unverifiable accounts, and enforcement of FCRA compliance. These errors have caused serious financial harm and must be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX or more late payment ( XXXX ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust 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 2025-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: AR

Complaint narrative:
Structured settlement ( XXXX XXXX called my exhusbands wife to tell her I was in default on a loan. I have never met my XXXX wife. She proceeded to give structured settlement my place of employment and told them to turn me into the state board of XXXX. Structured settlement has called my work and threatened garnishment. I have never received a letter or legal documentation from this place. Due to structured settlement calling a stranger about my personal business it was put all over XXXX. XXXX from structured settlement told this woman I used her name as a reference which was false.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute regarding multiple inaccurate, unverifiable, or unauthorized items appearing on my credit report, including charge-off accounts, collection accounts, and recent inquiries. The disputed accounts include 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 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, and XXXX XXXX XXXX XXXX XXXX dated between XX/XX/XXXX and XX/XX/XXXX XXXX Despite my initial dispute, I have not received confirmation of a reinvestigation, any explanation regarding the continued reporting of these items, or verification from the data furnishers, which is required under the Fair Credit Reporting Act. The continued presence of these accounts and inquiries without proper verification constitutes a violation of the FCRAs accuracy, reinvestigation, and verification requirements.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute regarding multiple inaccurate, unverifiable, or unauthorized items appearing on my credit report, including charge-off accounts, collection accounts, and recent inquiries. The disputed accounts include 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 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, and XXXX XXXX XXXX XXXX XXXX dated between XX/XX/XXXX and XX/XX/XXXX XXXX Despite my initial dispute, I have not received confirmation of a reinvestigation, any explanation regarding the continued reporting of these items, or verification from the data furnishers, which is required under the Fair Credit Reporting Act. The continued presence of these accounts and inquiries without proper verification constitutes a violation of the FCRAs accuracy, reinvestigation, and verification requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC

Complaint narrative:
Pursuant to 15 USC 1605 the sum of all charges are included in the finance charge. The contract is not reforcable because I am the orginal creditor and the bank is the borrower. this fraudulent contract has myself as the borrower and the bank as the creditor that is a violation of 12 USC 1431, plus a violation of consumer rights 15 USC 1611, pursuant to 15 USC 1615 prepayment by consumer, If i represent principal why does this contract have me paying the bank. when the bank is suppose to be paying me. Fraudulent FRNs are a debt instrument, notes do not perform on a debt. pursuant to black 's law 4th edition Money is gold and silver coin the defintion does not embrace notes, evidences of debt, real estate, or property. United States Constitution tender payment in debt is gold. HJR-192 Public Law 73-10 since the redaction of the gold standard you can't perform payment on debt. all that you can do is discharge the debt pursuant to UCC 3-601 ... 18 USC 8 , 31 USC 3123 , UCC 9-307 , UCC 3-303 Value and consideration. no loan was actually given, and demanding payment in dollars and cents is fraudulent and unconstitutional. 12 USC 412, applications for notes collateral required, the application is the collateral, Federal Reserve Act Section 16 parts one and two ... Civil money penalities Federal Reserve Act Section 29.... According to my math for everyday of fraudulent banking I am owed {>= $1,000,000} for violation of my God given alienable rights. Violations of consumer rights, taking advantage of the XXXX fraudulent schooling system with a nation of workers instead of a nation of thinkers. Not teaching about the title 26 Of USC, or teaching about the criminal title or 18 USC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-14 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: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-14 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:
My name is XXXX XXXX, and I am writing this statement to provide essential context regarding the fraudulent activity appearing on my credit and consumer reports. This activity is not simply a financial oversight ; it is a direct consequence of identity theft resulting from the large-scale data breach at Equifax responsible for the breach.This consumer credit reporting agency. 
The impact of this security failure has not only caused significant financial injury but has fundamentally derailed my ability to pursue basic life goals, making it exceptionally difficult to move forward. 
The fraudulent accounts, inquiries, and collections placed on my record due to this identity theft have created a devastating cycle of failure in my attempts to establish stability.I have been denied rental applications and mortgage pre-approvals on separate occasions over the last years. Landlords and lenders cite the severe derogatory marks on my consumer report, specifically pointing to the fraudulent accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX I am currently forced to live with family the inability to secure stable, long-term housing due to errors that are not mine is a constant, suffocating stressor.The required background and credit checks for positions such as DSP for XXXX XXXX XXXX in job offers being rescinded or applications being rejected. My professional advancement has been stagnated, purely because my consumer report suggests a level of financial instability that is entirely fabricated by criminal activity.Beyond the financial damages, the time and emotional energy spent fighting this fraud has been overwhelming. I have spent approximately hours over the last XXXX months.This ongoing administrative burden has severely impacted my mental health and my ability to focus on work and personal well-being. I feel perpetually stuck, exhausting all my resources just to prove who I am not, rather than being able to focus on my future. 
I urge you to consider the profound personal distress and hardship caused by the negligent handling of my data. This is not a clerical error ; this is an issue of identity fraud that has imposed a near-impossible barrier to me leading a stable, independent life. 
I demand swift and comprehensive action to fully resolve these fraudulent entries, consistent with the requirements of the Fair Credit Reporting Act ( FCRA ). 
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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastside Funding LLC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: LEXISNEXIS
State: CA

Complaint narrative:
Someone opened a credit card under my name. XXXX XXXX XXXX amount of {$370.00} on XX/XX/XXXX and another XXXX KIKOFF LENDING LLC was opened on XX/XX/XXXX in the amount of {$750.00}, without my consent and knowledge. I contacted to credit bureau to fix the issues, but there is no response. Please help me to fix this issues to improve my credit history. I need to buy a house and a car. These Wrong accounts do not allow me to move forward. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-14 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 writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the XXXX XXXX credit reporting standard. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the XXXX XXXX credit reporting standard. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XX/XX/year> Experian P.O.Box XXXX XXXX, Tx XXXX Re : Demand for Method of Verification / Continued Dispute of Alleged Verified Account Report Number : XXXX Account in Question : XXXX  To Whom It May Concern : I am writing regarding my recent dispute of the above-referenced account. You responded stating that the account was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting the method of verification you used to reach that conclusion. 

Accordingly, I demand the following : XXXX. A complete description of the method of verification, including the specific steps taken to investigate this account. 
XXXX. The full name, address, and direct contact information of the person or entity ( data furnisher ) you contacted during your investigation. 
XXXX. Documented proof that a reasonable, good-faith investigation was conducted, including any records or correspondence received from the furnisher that you relied upon to verify the account. 

Be advised that simply using automated systems such as e-OSCAR or relying on unverifiable furnishing does not sati

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