vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XX/XX/year> received a email from XXXX XXXX XXXX contacting me about a bill that I don't have signs company amount of {$480.00} and {$640.00} 2 different companies they keep sending a email every week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX from my report thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
I am filing this formal complaint against your agency for continuing to report multiple negative accounts and unauthorized inquiries that are factually inaccurate, unverifiable, and in direct violation of federal law and Metro 2 industry standards. I am also a confirmed victim of the Equifax Data Breach, and my personal information has been misused without proper investigation, validation, or consent. 

You are reporting numerous derogatory accounts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with re-aged dates, false payment history, duplicate balances, and contradictory tradeline status across bureaus. These accounts are marked as active, charged off, or late with no original contracts or signed applications on file. In many cases, they reflect " OK '' payments months after the accounts were closed or sold a direct Metro 2 violation.

Your agency is also reporting an inquiry from XXXX XXXX XX/XX/year>, which I never authorized. Under 15 U.S.C. 1681b ( FCRA 604 ), no consumer report may be furnished without written instruction from the consumer. I have never provided such authorization to BANK/NC or its affiliates.

You are now in violation of : 15 U.S.C. 1681 602 ( a ) : My right to privacy has been ignored.

15 U.S.C. 1681 604 ( a ) ( 2 ) : Credit data furnished without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Adverse items beyond 7 years must not appear on my file.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Data furnishers must not report any item they know or should know is inaccurate.

FCRA 609 ( a ) ( 1 ) : You have failed to provide proper documentation verifying the accuracy and legal basis of each disputed item.

FCRA 611 : You failed to conduct a proper reinvestigation after prior disputes.

Metro 2 Compliance : Multiple accounts are misformatted, showing open statuses on closed accounts, false late payments, and re-aged derogatories to appear recent. 

I have sent direct disputes requesting factual validation. You have failed to provide original signed applications or valid proof of ownership for any of the accounts listed above. You also failed to suppress unverifiable data as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XX/XX/year> I received a credit card from wells Fargo Bank never applied for a credit card and XXXX sent me a letter of a verification form for my employer but I never worked for the company but I know who scammed me I got their information .. they been scamming for a long time I didn't deserve that because I help those demons

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 2025-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am writing in response to the 'verified ' reply to my complaint filed on XX/XX/2025, via the CFPB Complaint Portal , regarding fraudulent accounts that continue to be inaccurately reported on my credit file. 

Despite my clear statement that the following accounts are being fraudulently reported, the credit reporting agency has failed to properly investigate and remove the erroneous entries : XXXX XXXX XXXX XXXX XXXX  : {$110.00} XXXXXXXX XXXX XXXX  Balance : {$14000.00} I dispute the validity of these accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information. Simply " verifying '' the data with the same furnisher that reported the fraudulent accountwithout any further evidence, ID validation, or fraud documentationdoes not constitute a reasonable investigation. 

I am demanding the following : Full deletion of the above-listed fraudulent accounts from my credit file. 

Copies of any and all documentation the agency or the furnishers used to " verify '' these accountsincluding the applications, and signatures associated with the origin of these accounts. 

An explanation of the steps taken during the investigation, including whom they spoke with that verified the accounts.

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 2025-07-07 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX account number ( XXXX ), credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX account number ( XXXX ), credit card account opened at XXXX XXXX XXXX XXXX on XXXX account number ( XXXX ), credit card account opened at XXXX XXXX XXXX XXXX  on XXXX account number ( XXXX ), credit card account opened at XXXX XXXX on XXXX XXXX account number ( XXXX ), credit card account opened at Upstart network XXXXXXXX XXXX on XXXX XXXX account number ( XXXX ). An auto loan account opened at XXXX on XXXX XXXX account number ( XXXX ). A student loan opened at Georgia XXXX XXXX on XXXX XXXX account number ( XXXX ). A student loan opened at XXXX XXXX XXXX XXXX on XXXX account number ( XXXX ). A Mortgage account opened at XXXX XXXX XXXX on XXXX account number ( XXXX ) with a balance of {$10000.00}. A Mortgage account opened at XXXX XXXX XXXX on XXXX account number ( XXXX ) with a balance of {$8100.00}. A secured loan account opened at XXXX XXXX XXXX XXXX on XXXX account number ( XXXX ) with a balance of {$7800.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and 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. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: WY

Complaint narrative:
On XX/XX/year>, I submitted a formal written request under 12 CFR 1024.36 ( RESPA ) and TILA disclosure rights for documents related to my FHA loan ( Loan # XXXX ) for the property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

My request included : All Loan Estimates from XX/XX/year> forward All versions of the Closing Disclosure, including the XX/XX/XXXX XXXX XXXX overlays or underwriting policies applied Communications related to child support, bank statements, and asset verification Underwriting notes and decision justifications Any overlays used but not disclosed in writing Per RESPA, the servicer must acknowledge such a request within 5 business days ( 12 CFR 1024.36 ( d ) ( 1 ) ).

I received no acknowledgment or documentation. 

On XX/XX/year>, I sent a final written notice to Rocket Mortgage with a clear deadline of XX/XX/year>. As of today, XX/XX/year>, they have still failed to respond.

Regulatory Violation : Rocket Mortgage is in direct violation of RESPA 1024.36 ( d ). They are also obstructing my ability to prepare for legal and regulatory filings related to serious issues with my FHA loan processing and closing.

Requested Resolution : 1. Immediate production of all requested documents 2. Written acknowledgment and explanation of the delay 3. Regulatory review of Rocket Mortgages compliance process for RESPA and TILA requests 4. Monetary relief as appropriate due to documented damages resulting from their noncompliance Additional Context : This failure is part of a larger pattern of misconduct involving misrepresented loan disclosures, delayed closings, and non-disclosure of internal underwriting overlays. A complaint is also active with HUD and the HUD Office of Inspector General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I have no knowledge of owning this debt to you, in fact i do not know how you can i owe someone i never done business with or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-08 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 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-07 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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