vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Refer to initial complaint XXXX filed with CFPB on XX/XX/year>. I was able to trick Experian 's automated phone system and speak with a rep named XXXX on XX/XX/year> who issued case # XXXX. XXXX also sent an email on XX/XX/year> with specific instructions on how to remove my hacked Experian account from their system, to which I completed on XX/XX/year>. As of today, XX/XX/year>, my account with Experian is still hacked/compromised and I am unable to log into my account or open credit. It is impossible to speak with a human at Experian and they do not acknowledge uploads to their web portal.

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 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Se

ction 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRA
UDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
The account listed is not mine and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of multiple fraudulent hard inquiries and a fraudulent address from my credit report. These inquiries and the address are the result of identity theft. I did not authorize these inquiries, nor have I ever lived at or been associated with the address listed below : Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Legal Basis for Immediate Removal : FCRA 602, 607 ( b ), 611 ( a ) You are required to investigate any disputed information, and if you can not verify its accuracy with competent evidence, you must delete it within 30 days. Failure to do so is a violation of federal law.

FCRA 605B ( Identity Theft Blocking ) Because this information resulted from fraud/identity theft, I am entitled to have it blocked from my credit report immediately upon submission of an identity theft report and supporting documentation.

FCRA 623 ( a ) ( 8 ) Furnishers must report only accurate information and are liable for reporting fraudulent data. If you can not provide written proof that I authorized each inquiry, it must be deleted immediately.

U.S.C. 1681s-2 ( b ) Furnishers who fail to correct inaccurate information after receiving notice of a dispute from a consumer reporting agency may be legally liable.

Requested Action : Delete all unauthorized hard inquiries listed above immediately.

Remove and block the fraudulent address listed above.

Provide written confirmation of the results.

If any inquiry is claimed to be authorized, provide a copy of the signed application, IP logs, phone recordings, or other proof that I authorized it.

This is a formal demand for immediate action under federal law. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and legal action seeking statutory damages, actual damages, and attorneys fees under the FCRA.

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 2025-10-13 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: LA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of multiple fraudulent hard inquiries and a fraudulent address from my credit report. These inquiries and the address are the result of identity theft. I did not authorize these inquiries, nor have I ever lived at or been associated with the address listed below : Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Legal Basis for Immediate Removal : FCRA 602, 607 ( b ), 611 ( a ) You are required to investigate any disputed information, and if you can not verify its accuracy with competent evidence, you must delete it within 30 days. Failure to do so is a violation of federal law.

FCRA 605B ( Identity Theft Blocking ) Because this information resulted from fraud/identity theft, I am entitled to have it blocked from my credit report immediately upon submission of an identity theft report and supporting documentation.

FCRA 623 ( a ) ( 8 ) Furnishers must report only accurate information and are liable for reporting fraudulent data. If you can not provide written proof that I authorized each inquiry, it must be deleted immediately.

U.S.C. 1681s-2 ( b ) Furnishers who fail to correct inaccurate information after receiving notice of a dispute from a consumer reporting agency may be legally liable.

Requested Action : Delete all unauthorized hard inquiries listed above immediately.

Remove and block the fraudulent address listed above.

Provide written confirmation of the results.

If any inquiry is claimed to be authorized, provide a copy of the signed application, IP logs, phone recordings, or other proof that I authorized it.

This is a formal demand for immediate action under federal law. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and legal action seeking statutory damages, actual damages, and attorneys fees under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Applied for chase business card today on XXXX XX/XX/year> at XXXX XXXX approximately. Chase ran multiple hard inquiries. One on at roughly XXXX XXXX  and other at XXXX XXXX  without consent for same application. Chase has history of doing this. In XXXX they did same. They said no hard inquiry but ended up doing 2 hard inquiries for same business card application. Contacted chase in XXXX but they ghosted request with garbage explanations. Redirected me 4 times! Contacted on XXXX but still no response. I tried to talk to Chase today as well but Chase waste time by keep routing me to Credit to card to account to credit lines. I want resolution, not talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Applied for deferment of our mortgage for myself and my son XXXX XXXX XXXX on XX/XX/year> continuously had contact them received in XXXX they needed more information. Explained the circumstances and was told to not make payments by numerous customer care agents have a list of all calls and employee ID numbers. The deferment was not approved until XX/XX/year>. This has negatively affected our credit dropping ours scores by the hundreds and is still dropping even after we have made on time payments and they initially changed it to current. I have reached out numerous emails to ask for a good faith adjustment to credit and at this point I feel they are purposely not doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am filing this complaint because Transunion are continuing to report a disputed collection account from XXXX XXXX XXXX XXXX that remains unverified and inaccurate. The alleged debt is listed as : Debt Collector : XXXX XXXX, XXXX. Original Creditor : XXXX XXXX XXXX XXXX  Amount : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX I previously disputed this account directly with XXXX XXXX XXXXn writing, requesting full verification of the alleged debt under FDCPA 15 U.S.C. 1692g ( b ) and FCRA 15 U.S.C. 611 ( a ). XXXX XXXX failed to provide any validation no signed contract, no itemized billing statement, no proof of assignment from XXXX XXXX XXXX. Their only response stated that my dispute will be processed according to internal policy, which is not verification as required by law. Despite the lack of verification, this credit reporting agencies continue to publish and furnish this information, labeling it merely as disputed rather than removing it. This is a violation of : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation. FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete or correct unverifiable information within 30 days. FCRA 623 ( b ) ( 1 ) Duty of furnishers and credit bureaus to investigate and delete inaccurate data. The continued reporting of this account after XXXX XXXX failed to verify constitutes willful non-compliance with the FCRA and causes harm to my credit reputation. I am requesting that the CFPB require transunion to Delete the XXXX XXXX collection account from all credit reports as unverified and inaccurate ; Notify me in writing once the deletion is completed ; and Ensure XXXX XXXX ceases furnishing this unverified account in the future.

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 2025-10-13 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to comply with the Fair Credit Reporting Act by continuously verifying inaccurate and disputed information on my credit report. Despite multiple disputes, they have not corrected or deleted accounts that clearly violate Metro 2 compliance and my consumer rights. Their actions are willful, negligent, and a direct violation of federal law, and I am requesting immediate investigation and enforcement.

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 2025-10-13 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are double reporting on my credit file. Both of these accounts are showing up on my credit and are therefore double reporting. When I switched cards they must have made an error on their end and it ended up reflecting on 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 2025-10-13 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
This account for Syncb/Harbor Freight is reporting a late for XX/XX/25 which is incorrect. I have this account set up on auto draft and have never been late on a payment, my bank bounced this payment due to them reporting is as a " suspicious transaction ''. I do not know why this happened, please help me remove this late as a one time courtesy as I have never been late before and I also did not receive a 30 day right to dispute notice.

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 2025-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My heloc got transferred from XXXX XXXX to Shellpoint. There is a XXXX dollar discrepancy in the amount with the new provider. I have obtained the documentation that they stated they needed but the error has not been resolved. 
I paid XXXX extra to come off of the principle on XX/XX/XXXX with XXXX XXXX. They have documentation of my XX/XX/XXXX and XX/XX/XXXX payments of XXXX but are missing my XXXX dollar check. XXXX XXXX provided the documents showing the correct amount and Shellpoint has it but they have not fixed it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation