vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am submitting a formal dispute against XXXX XXXX XXXX ( XXXX ), Account ending in XXXX and Reported Balance {$3300.00} for unlawful re-aging and materially misleading reporting of a charged-off and closed auto loan account across all three credit bureaus : Equifax Report Confirmation XXXX, Experian Report Number XXXX, and TransUnion File Number XXXX. XXXX own response confirmed the account was charged off on XX/XX/XXXX, after the insurance settlement from a total vehicle loss was applied. Despite this closure, all three credit bureaus continue to report monthly charge-off updates through XX/XX/XXXX. Past due balances are being reported by all credit reporting agencies, at the same time as charge off and profit and loss write off.This constitutes illegal re-aging in direct violation of FCRA 1681c ( a ) ( 4 ), which prohibits updating derogatory data based on post-charge-off activity. Equifax reflects monthly charge-off updates, Experian reports the account as past due into XXXX, and TransUnionwhile showing the account as closedstill permits continued derogatory updates. These inconsistencies violate FCRA 1681e ( b ) for failing to ensure the maximum possible accuracy and 1681i ( a ) ( 5 ) ( A ), which mandates deletion of unverifiable or misleading data. Furthermore, XXXX never issued an IRS Form 1099-C, despite classifying the balance as a Profit and Loss Write-Off. This omission violates IRS Code 6050P, and raises concerns about whether the debt is truly collectible under tax law. Their refusal to validate the debt or produce supporting documentation renders the current reporting unsubstantiated. Accordingly, I request the immediate and permanent deletion of this XXXX XXXX XXXX tradeline from all three credit reports. I also invoke FCRA 1681i ( a ) ( 8 ), which authorizes expedited deletion within three business days when disputed information is removed without full reinvestigation procedures. Given the contradictions, lack of 1099-C, and unlawful re-aging, this matter qualifies for such resolution. Failure to comply will result in escalation to the IRS Criminal Investigation Division, FTC, and other appropriate oversight authorities for investigation into potential FCRA and IRS violations.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

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 2025-05-06 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to sign up with XXXX XXXX and take advantage of financing on a phone purchase. XXXX XXXX says that I can receive 0 % financing if I have good credit on 24 month payments to purchase phones. I would like to purchase four phones. When I attempt to have my credit checked to see whether I qualify for their financing it tells me their website XXXX XXXX 's website tells me that my address can not be verified. When I call XXXX XXXX they tell me that Experian is the company that verifies the address for XXXX XXXX and the problem is with Equifax. When I call Experian they are almost impossible to get a hold of unless you sign up for their premium plan there is no other way to get a hold of them unless you sign up for their premium fraud prevention plan. 

It appears that they have my correct address and my previous addresses and if I use my correct address or my previous address I still am told by the system credit checking system on XXXX XXXX that they can not verify my address. This problem is preventing me from being able to use my good credit and purchase products. Experian as a credit company is not helpful in this situation. 

I have a XXXX XXXX XXXX I have XXXX XXXX address need and neither XXXX work for the purpose of verifying my address to verify who I am. 

I don't know exactly where the problem is XXXX claims it's with Experian. So If Experian is preventing me from getting credit when I am providing the correct information that is a problem. I don't have another way to solve the problem so I'm submitting a complaint here I don't know if that will solve the problem but it's the only other thing I can try. If nothing else maybe they will solve the problem for other people because I'm not the only XXXX when I look online other people are having the same problem including my brother I have found out. 

I thought it would be good to mention that I also tried with my wife 's information and we tried to have my mother who also has good credit sign up also and all of them had the same problem so it seems to be a problem that happens to multiple people. 

I called Experian today and XXXX fly today it is the XXXX of XX/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 2025-05-06 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:
I am filing a formal complaint against Equifax for failing to remove a fraudulent account from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed the account based on identity theft under 15 U.S.C. 1681c-2, and submitted both a police report and a valid FTC Identity Theft Report ( FTC Report Number : XXXX ) as supporting documentation. Equifax acknowledged the dispute but failed to comply with the legal requirements set forth by federal law. 

Despite my clear request to block and delete the fraudulent item, the following account remains on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis : 15 U.S.C. 1681i ( 7 ) Equifax is required to provide a detailed description of the procedures used to verify the disputed information within 15 days. I have not received this documentation. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Credit reporting agencies must verify accounts through physical inspection of the original signed consumer contract. Without such verification, continued reporting of disputed accounts constitutes a legal violation. 

15 U.S.C. 1681e ( b ) Equifax must maintain reasonable procedures to ensure the maximum possible accuracy of the information in my file. If the information can not be verified, it must be deleted under 1681i ( a ) ( 5 ). 

Failure to Investigate Properly : 15 U.S.C. 1681i Equifax did not conduct or complete a full investigation within the 30-day window mandated by law. The outcome of the dispute failed to resolve the identity theft issue. 

15 U.S.C. 1681c-2 Equifax was required to block identity theft-related information within four business days of receiving my valid report. This did not occur. 

In addition, under 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my file, which has not been done. 

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Equifax has not demonstrated that it used reasonable procedures to ensure the accuracy and completeness of my credit report. I request a full explanation of the methods used and the immediate removal of the account. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Equifax complies fully with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint against Trans Union for allowing XXXX 's collection agency to charge interest on a charged off debt in a manner I believe violates the fair debt collection practices act ( FDCPA ) and possibly state usury laws ( Utah ). 
The agency is attempting to collect on a debt that was charged off by the original creditor. Despite this, they continue to add interest to the balance owed. I have not received a breakdown of the interest charges, nor have I been provided with the copy of the original agreement authorizing this interest from XXXX collection agency. 
I believe this practice is deceptive as : .The original creditor ceased charging interest after charge off. 
.The collection agency has not demonstrated any legal basis or contractual authority to resume or continue interest charges. 
.They have not disclosed how the interest is calculated or what rate is being used. 
I requested a debt validation letter, but the interest charges were not properly explained or supported with documentation. I am concerned this may constitute unfair, deceptive, or abusive acts of practices ( UDAAP ) under federal law.

Under the FRCA Act :. Trans Union must ensure accuracies and completion, and ensure reasonable investigations of disputes.

Under the FDCPA Act :. Can not report debt without proper notice.

A collection agency must notify me within 5 days. .Must stop reporting if debt is invalidated.

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 2025-05-06 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This situation is incredibly frustrating I woke up to find a debt on my credit report that Ive never seen before and definitely dont recognize. Its unverified, not mine, and now Im being harassed across multiple platforms and with threats of legal action. I never consented to this, and its exhausting. Im a responsible person just trying to stay on track, and having my rights ignored like this is not only insulting, its also seriously impacting my mental health. Ive lost sleep over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

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. 

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have reinserted multiple accounts into my credit reports without providing the legally required notice under FCRA 1681i ( a ) ( 5 ) ( B ). These accounts were previously deleted as a result of formal disputes, and yet they have been reimported without certification from the furnishers or proper written notice to me.

Many of these accounts : Appear with conflicting statuses across bureaus Lack documentation to support continued reporting Show signs of Metro 2 formatting violations ( e.g., open/closed status discrepancies, incorrect balances, inconsistent dates ) This is a direct violation of : FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( b ) FDCPA 1692e, 1692f Metro 2 Compliance Standards This reinsertion without process has damaged my credit profile and blocked financial progress.

In many cases, the same accounts are being re-reported with conflicting or outdated statuses, in violation of Metro 2 Compliance Guidelines and FCRA 1681e ( b ), which requires that all information reported be accurate and current. Some furnishers are continuing to report negative entries even though they no longer own the debt, or have sold/transferred it.

This conduct has caused me undue harm, confusion, and damage to my credit profile. I am now unable to move forward with financial goals due to accounts that were previously removed based on successful disputes. 

Accounts Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We have been battling over our property for over several years, when I read an article about foreclosure fraud called ( Foreclosure Fraud in a Nutshell ) .My loan origination was changed from XXXX to XXXX notes in a letter from Bank of America , N.A.To be forward, I was told once that we had no equity yet we have never refinanced.There have been 3 different Auditors that Resolutes and Conclude Many Violations.We sent Certified Mail to Bank of America over a month ago before the XX/XX/2025 Forclosure in which the Requesting for more time all the while still forclosure by Bank of America for XXXXWe are Requesting In the Tone of a Demand that The Forclosure Be Reversed In XXXX We Trust Mark 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief