vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries on my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : Creditor/Institution : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX XXXX Date of Inquiry : XX/XX/XXXX Specific Violations of the FCRA and Legal Basis XXXX XXXX. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
XXXX. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision. 
XXXX. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate 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 2025-11-06 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 a consumer requesting the investigation and removal of the following accounts reported as " charged off '' that are inaccurate. These accounts, which are listed below, have discrepancies or incorrect information based on my records. I ask that you kindly investigate the validity of these entries under the Fair Credit Reporting Act ( FCRA ), particularly sections 607 ( b ) and 611, which require accurate and verifiable information to be reported. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would greatly appreciate your help in resolving this matter, as I did not authorize or open the accounts in question. They seem to be fraudulent, and I have attached supporting evidence.

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 2025-11-06 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: KY

Complaint narrative:
I am submitting this request to Experian to review and correct inaccurate and incomplete information that is currently being reported on my credit report. I request that any items that can not be verified be removed as required by the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I respectfully request that each bureau investigate the listed accounts separately, as per their obligations under the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 reporting identity theft under FCRA 605B, FACTA, and 18 U.S.C. 1028. My personal data was used, sold, or traded without consent, resulting in fraudulent collection accounts on my credit reports. I request CFPB investigation and deletion of these unverifiable accounts under FCRA 605B. 

Due to the government shutdown, I can not file an FTC report. I have uploaded a PDF titled XXXX, which includes a cover sheet, formal dispute letter, and evidence summary listing the accounts and legal citations. 

Please compel XXXX XXXX  and TransUnion to block or delete all identity-theft-related items. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2025-11-06 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: NC

Complaint narrative:
I am contacting TransUnion to dispute several accounts, inquiries, and late payments reported on my credit report. These items do not accurately reflect my credit history, and I request a thorough review of these entries. Below are the specific details of the disputed accounts. 

Disputes for Charged-Off Accounts : Account Name : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
In XX/XX/2025, I submitted a formal dispute and Method of Verification ( MOV ) request to Equifax regarding several inaccurate accounts on my credit report. After my request, Equifax deleted XXXX of the disputed accounts ( XXXX and XXXX XXXX XXXX XXXX ), confirming that they could not be verified. However, the XXXX XXXX account is still being reported even though Equifax and the furnisher have failed to provide any documentary evidence to prove its accuracy. 
Equifaxs response only stated that the furnisher verified the account without producing any supporting records such as a signed contract, deficiency notice, or proof of debt. This does not satisfy the requirements under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) for full verification after a consumers formal request.

The account history has also been modified multiple times since my disputes, which suggests possible re-aging and inaccurate reporting. I have made multiple good-faith efforts to resolve this directly with Equifax, but the company continues to report this unverifiable account. 
I am requesting that the CFPB review Equifaxs handling of my dispute and require the deletion of the XXXX XXXX account for failure to verify with proper documentation, and ensure Equifaxs compliance with the FCRAs verification and accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
To Whom It May Concern, I am writing to dispute the following charged-off accounts that I believe are incorrectly reported. I kindly ask for a thorough investigation to be conducted on these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), and if they are found to be inaccurate or unverifiable, they should be removed from my credit report. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 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: PA

Complaint narrative:
In reviewing my credit report, I discovered a collection account reported by XXXX XXXX in the amount of {$15000.00}. This account is being reported as a personal collection, but it actually relates to a business or commission-related matter involving an insurance company that I previously worked with. It is not a consumer debt incurred for personal, family, or household purposes. 

I contacted both XXXX XXXX and the credit bureaus to request documentation verifying the nature of this account and my personal liability. Specifically, I requested a copy of any signed agreement, contract, or record showing that this obligation was consumer-based. No such documentation has been provided, yet the account continues to appear on my personal credit reports with Experian, Equifax, and TransUnion.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ), only consumer debts may be included in a consumer credit report. Reporting a commercial or employment-related matter as a consumer account violates 1681b ( a ) ( permissible purpose ) and 1681s-2 ( a ) ( 1 ) ( A ) ( duty to ensure accuracy ). By continuing to furnish this account without verification, XXXX XXXX and the credit bureaus are in violation of their obligations under 1681i ( a ) ( reinvestigation ) and 1681s-2 ( b ) ( furnisher duties after dispute ).

This reporting is materially misleading and damaging to my credit standing. I am requesting that the CFPB direct XXXX XXXX and the credit bureaus to delete this tradeline immediately, provide written confirmation of its removal, and ensure that any related information is permanently suppressed from my consumer credit files.

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 2025-11-06 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: PA

Complaint narrative:
In reviewing my credit report, I discovered a collection account reported by XXXX XXXX in the amount of {$15000.00}. This account is being reported as a personal collection, but it actually relates to a business or commission-related matter involving an insurance company that I previously worked with. It is not a consumer debt incurred for personal, family, or household purposes. 

I contacted both XXXX XXXX and the credit bureaus to request documentation verifying the nature of this account and my personal liability. Specifically, I requested a copy of any signed agreement, contract, or record showing that this obligation was consumer-based. No such documentation has been provided, yet the account continues to appear on my personal credit reports with Experian, Equifax, and TransUnion.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ), only consumer debts may be included in a consumer credit report. Reporting a commercial or employment-related matter as a consumer account violates 1681b ( a ) ( permissible purpose ) and 1681s-2 ( a ) ( 1 ) ( A ) ( duty to ensure accuracy ). By continuing to furnish this account without verification, XXXX XXXX and the credit bureaus are in violation of their obligations under 1681i ( a ) ( reinvestigation ) and 1681s-2 ( b ) ( furnisher duties after dispute ).

This reporting is materially misleading and damaging to my credit standing. I am requesting that the CFPB direct XXXX XXXX and the credit bureaus to delete this tradeline immediately, provide written confirmation of its removal, and ensure that any related information is permanently suppressed from my consumer credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I'm a XXXX XXXX XXXX. 

Due to a XXXX XXXX XXXXXXXX in XXXX and XXXX XXXX from my medical condition, I fell behind on my mortgage. I found there is a new federal law - HR 119-31 passed in XX/XX/XXXX that allows for some or most or all the debt to be moved to the end of the loan so that I may maintain the current XXXX rate loan. 

We looked at a modification but with the higher interest rate, the new payment would be out of a comfortable range for us and one incident would land us back in a serious situation again. 

I am currently in default and was offered a XXXX  month repayment plan resulting in XXXX payments of {$8900.00}. I don't net that amount of money monthly. 

I asked for options and was told thre is a XXXX repayment plan totaling {$53000.00}, which results in monthly payments of {$4400.00}. Due to financial hardship, I requested a longer repayment termspecifically XXXX  monthsto reduce the monthly burden to approximately {$3300.00} which I can make without a hardship. 

XXXX XXXX  informed me that they do not offer repayment plans longer than XXXX  months. However, according to XXXX  servicing guidelines ( XXXX  XXXX XXXX XXXX XXXX ) and recent legislation ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), servicers are expected to offer flexible repayment options and consider partial claim programs to help XXXX  retain homeownership. 
I am requesting CFPB assistance to : Ensure XXXX XXXX  is complying with XXXX XXXX standards. 
Advocate for a XXXX repayment plan based on my financial situation. 
Clarify whether XXXX is implementing the XXXX  XXXX XXXX XXXX as authorized by law. 

I have contacted the XXXX  XXXX XXXX XXXX and was told to request the additional XXXX months which was rejected. I believe this issue warrants regulatory review.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting an investigation into the following accounts reported by TransUnion. The accounts listed below are either inaccurately reported or unverifiable, and I ask that they be thoroughly examined : Charged Off 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

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 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I had originally called XXXX their customer care number on XX/XX/XXXX of 2025. They tried charging me a XXXX dollar fee for a returned check fee. I made an electronic payment and the money was in the account and did not bounce back. They are trying to charge the same fee again. I have confirmation from their website the payment went through XX/XX/XXXX of last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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