vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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 a victim of identity theft. Checked my credit today and these credit cards were never opened by me. Ive never gave anyone access to any of my personal information and ive never gave anyone authorization or permission to open any accounts without my 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 non-monetary relief
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I am filing this complaint because the three nationwide consumer reporting agencies are failing to follow the investigation procedures required under the Fair Credit Reporting Act ( FCRA ).

Despite sending detailed written disputes to each bureau including identification, proof of address, account-specific disputes, and an FTC Identity Theft Report the bureaus responded with generic, automated verified conclusions without providing : The method of verification Any supporting documentation Any communication records with data furnishers The legally required date of first delinquency Removal of identity-theft-related accounts Removal of inaccurate personal information Removal of unauthorized inquiries This is a direct violation of FCRA 1681i, 609 ( a ) ( 1 ) ( A ), and 623.

I submitted a formal FTC Identity Theft Report. 

Despite this, identity-theft accounts such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not removed. 

Under FCRA 605B, once a valid identity theft report is provided, these accounts must be blocked, unless the bureau receives a certified written statement from the furnisher asserting the information is accurate. 
No such documentation was provided. 

There are hard inquiries listed from entities I never authorized, such as : Park Cities XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604, a hard inquiry requires written authorization or a permissible purpose.

The bureaus provided no evidence of that authorization, yet continue to report the inquiries.

These failures have caused : Credit denials Higher interest rates Emotional distress Time and financial losses Increased exposure to identity-theft risk Potential mixed-file contamination I have attempted to resolve this directly with each bureau, but each continues to provide vague, incomplete, or automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I am filing this complaint because the three nationwide consumer reporting agencies are failing to follow the investigation procedures required under the Fair Credit Reporting Act ( FCRA ).

Despite sending detailed written disputes to each bureau including identification, proof of address, account-specific disputes, and an FTC Identity Theft Report the bureaus responded with generic, automated verified conclusions without providing : The method of verification Any supporting documentation Any communication records with data furnishers The legally required date of first delinquency Removal of identity-theft-related accounts Removal of inaccurate personal information Removal of unauthorized inquiries This is a direct violation of FCRA 1681i, 609 ( a ) ( 1 ) ( A ), and 623.

I submitted a formal FTC Identity Theft Report. 

Despite this, identity-theft accounts such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not removed. 

Under FCRA 605B, once a valid identity theft report is provided, these accounts must be blocked, unless the bureau receives a certified written statement from the furnisher asserting the information is accurate. 
No such documentation was provided. 

There are hard inquiries listed from entities I never authorized, such as : Park Cities XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604, a hard inquiry requires written authorization or a permissible purpose.

The bureaus provided no evidence of that authorization, yet continue to report the inquiries.

These failures have caused : Credit denials Higher interest rates Emotional distress Time and financial losses Increased exposure to identity-theft risk Potential mixed-file contamination I have attempted to resolve this directly with each bureau, but each continues to provide vague, incomplete, or automated responses.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit file. 
The following account is incomplete and misleading and should be corrected or deleted : Creditor : Bank of America Balance : {$12000.00} Status : Charge-off Year charged off : XXXX  Bank of America never issued an IRS Form 1099-C, and I have only received one communication from them since the charge-off. This indicates the account may have been canceled, abandoned, or no longer legally collectible, yet the bureau continues to report an outstanding charge-off balance. 

Under the Fair Credit Reporting Act ( FCRA ) Section 602 and 607, consumer information must be : Accurate Verifiable Complete Because the creditor has not issued a required 1099-C and has not attempted collection since XXXX, the current reporting is incomplete and misleading.

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 2025-12-07 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: TX

Complaint narrative:
I am a documented victim of identity theft. My personal identifying information, including my Social Security number, date of birth, and address history, was exposed in the Equifax data breach. As a result, fraudulent and unauthorized accounts, inquiries, and derogatory information appeared on my consumer credit reports. 

I provided the credit reporting agency with a valid FTC Identity Theft Report, a police report, proof of identity, proof of address, and documentation of my Equifax data breach exposure. These documents meet all requirements under the Fair Credit Reporting Act. 

I formally requested mandatory identity theft blocking under FCRA 605B, including the removal of fraudulent accounts, inquiries, late payment histories, and incorrect personal information. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and disclosure of information sources under 611 ( a ) ( 7 ). 

Despite receiving this documentation, the credit reporting agency failed to block or delete the identity-theftrelated information within the required four business days. The agency continues to report derogatory information tied to compromised personal identifiers and has failed to provide the requested method of verification or documentation supporting its reporting.

This constitutes ongoing noncompliance with the Fair Credit Reporting Act, including violations of FCRA 605B, 611, and 607 ( b ). I am requesting CFPB assistance to ensure compliance and proper correction of my credit file.

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 2025-12-07 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: TX

Complaint narrative:
I am a documented victim of identity theft. My personal identifying information, including my Social Security number, date of birth, and address history, was exposed in the Equifax data breach. As a result, fraudulent and unauthorized accounts, inquiries, and derogatory information appeared on my consumer credit reports. 

I provided the credit reporting agency with a valid FTC Identity Theft Report, a police report, proof of identity, proof of address, and documentation of my Equifax data breach exposure. These documents meet all requirements under the Fair Credit Reporting Act. 

I formally requested mandatory identity theft blocking under FCRA 605B, including the removal of fraudulent accounts, inquiries, late payment histories, and incorrect personal information. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and disclosure of information sources under 611 ( a ) ( 7 ). 

Despite receiving this documentation, the credit reporting agency failed to block or delete the identity-theftrelated information within the required four business days. The agency continues to report derogatory information tied to compromised personal identifiers and has failed to provide the requested method of verification or documentation supporting its reporting.

This constitutes ongoing noncompliance with the Fair Credit Reporting Act, including violations of FCRA 605B, 611, and 607 ( b ). I am requesting CFPB assistance to ensure compliance and proper correction of my credit file.

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 2025-12-07 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: FL

Complaint narrative:
I am formally disputing the inaccurate late payment reporting on the accounts listed below. As shown in the attached screenshots, TransUnion is reporting 30-day late payments that do not appear on XXXX  or XXXX, and the payment histories reflect consistent OK/current status, indicating these late marks are erroneous. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy and conduct a complete reinvestigation of this information. 
Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$2200.00} Reason for Dispute : TransUnion is reporting a XXXX late payment that is not shown on XXXX XXXX XXXX Attached screenshot demonstrates consistent OK payments and no verified delinquency. Please reinvestigate and remove any unverifiable late payment reporting. 
Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$440.00} Reason for Dispute : TransUnion is showing a XXXX late payment that does not appear on XXXX XXXX XXXX. Payment history screenshots show the account reporting as current with no delinquency. Please reinvestigate and delete any inaccurate late payment marks.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account .If you believe sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: SC

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
XXXX XXXX, an employee of Selip and Stylianou committed a crime by submitting a false and forged instrument to the Court claiming under penalty of perjury that she mailed me a Notice of Application for Wage Execution when she NEVER did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Keep getting denied credit card because of credit report being wrong. Would like a credit card unsecured not to be turned down because of credit score. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-07 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: MO

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Advantage currently had me in forbearance until XX/XX/year> and suddenly removed my forbearance to add {$340.00} of interest to my loan during XXXX  plan forbearance.They did not send me any warning prior to early removal and only sent an email about adding interest. This should be illegal and I should not be a victim to such greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a letter from Wells Fargo addressed to my deceased husband, XXXX XXXX, claiming to respond to a mortgage complaint he supposedly filed. My husband passed away, so he could not have filed any complaint. I am the recognized successor-in-interest on the mortgage, and Wells Fargo should be communicating with me directly. This raises concerns about servicing errors, incorrect internal records, mistaken borrower identity, and improper handling of account information. This could also contribute to incorrect foreclosure activity. I am requesting this to be investigated and corrected immediately.

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 2025-12-07 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: MO

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

Company response to consumer: Closed with non-monetary relief