vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the inaccurate and misleading reporting of a charge-off by XXXX XXXX  and XXXX  XXXX on my credit report. The account in question ( Account # XXXX ) ( Account # XXXX ) has been charged off, but the creditor continues to report the charge-off as if its a new derogatory event each month. This is not only misleading but also violates the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to credit reporting agencies be accurate and not misleading. 

A charge-off is a XXXX-time accounting event and should be reported only once with the original date. Repeated monthly reporting of a charge-off distorts the status of the account and unfairly damages my credit profile. 

I have already disputed this with the credit bureaus and/or the creditor and request that the CFPB investigate this matter to ensure compliance with the FCRA and that the inaccurate reporting be deleted and removed from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FC HoldCo LLC
State: MD

Complaint narrative:
I am formally disputing the reporting of a tradeline by XXXX XXXX XXXX on my credit report, which is inaccurate, misleading, and constitutes a violation of several federal consumer protection laws. 

XXXX XXXX XXXX has subjected me to what appears to be predatory lending, deceptive practices, and egregiously inflated interest accumulation. Over the past three years, I have paid {$20000.00} toward a loan that originated at approximately {$26000.00}. Yet today, my outstanding balance is {$21000.00} and the payoff amount is {$23000.00} as of XX/XX/year>. Upon reviewing XXXX statements, only {$4700.00} of my payments have gone toward the principal. The remainder has gone to excessive interest and fees in the amount of {$17000.00}. That is not only unethicalit is financially and emotionally devastating. 

This may constitute violations under : - The Fair Credit Reporting Act ( FCRA ) - The Truth in Lending Act ( TILA ) - Consumer Financial Protection Act ( UDAAP provisions )

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 2025-04-09 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-08 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent certified mail for the discrepancies and the identity theft on my account on XXXX, XXXX  and I received no response from them in the 30 days required. 

The companies continue to call and harass me for collections.

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 2025-04-08 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: FL

Complaint narrative:
I sent certified mail for the discrepancies and the identity theft on my account on XXXX, XXXX  and I received no response from them in the 30 days required. 

The companies continue to call and harass me for collections.

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 2025-04-08 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries and account on my credit report.Please dispute and remove listed fraudulent accounts from my credit report XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2025-04-08 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: Kikoff Inc.
State: FL

Complaint narrative:
This account was reported under a different name and was never authorized or tied to my current legal identity. I dont recall opening it, and Kikoff did not provide any valid proof that I did. The documents they provided show payments under the name XXXX XXXX, which further confirms this is not my account. Kikoff sent this payment receipt to my current email, despite the account being under someone elses name. Im asking the CFPB to help get this account removed from my credit report due to incorrect reporting and identity mismatch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
A consumer reporting agency XXXX not reinsert a previously deleted item unless the furnisher certifies that the information is complete and accurate, and the agency notifies the consumer in writing within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home 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: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
Despite being officially approved for a short sale, CrossCountry Mortgage failed to follow through with the most basic responsibilities required to complete the process. After receiving their request for documents, my real estate agent and I promptly submitted everything they asked for on XX/XX/XXXX only to be met with silence, delays, and a series of excuses. 

From XX/XX/XXXX to XX/XX/XXXX, we called almost every single day in an effort to get someone anyone to confirm receipt of the paperwork and move forward with the sale. We had serious, qualified buyers lined up for a niche property that doesnt get frequent interest. This was our XXXX real opportunity to avoid foreclosure and mitigate damage for everyone involved. 

Instead, due to CrossCountry Mortgages blatant incompetence, lack of communication, and complete disregard for urgency, we lost the only serious buyers we had. As of XX/XX/XXXX, they walked away not because of the house, but because of the unacceptable delays caused solely by CrossCountry Mortgage. 

Their failure to perform even the minimum level of professionalism has now put the entire transaction, and my financial future, at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX INQUIRIES XXXX  XXXX  XXXX  - XX/XX/XXXX, XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX  XXXX  - XX/XX/XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX  - XX/XX/XXXX, XXXX  XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-04-08 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: DC

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit ratings.

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 2025-04-08 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: DC

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit ratings.

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 2025-04-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get Experian and Equifax to remove a medical debt from my credit report because per your new regulations they are no longer supposed to be on there and they refuse to remove it. I did a dispute on XX/XX/XXXX and XX/XX/XXXX and I did call them and got nowhere with the call

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 2025-04-09 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Request for Deletion of Unauthorized Hard Inquiries Under the FCRA Dear TransUnion XXXX Department XXXX I am writing to formally dispute and demand the removal of several unauthorized hard inquiries that appear on my credit file with TransUnion. These inquiries were not authorized by me, nor did I apply for credit or services with these institutions at the times indicated. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), credit inquiries must be backed by XXXX  written authorization or initiated directly by the consumer. The following inquiries violate that standard : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Pursuant to FCRA 604 ( a ) ( 3 ), consumer credit reports must only be accessed for permissible purposes. These inquiries lack my consent and as such, must be considered unlawful access. Furthermore, under FCRA 611 ( a ), I have the right to dispute inaccurate or unverifiable information and demand its removal. Please consider this a formal dispute and request for deletion of the above inquiries from my file. As mandated by the FCRA, you are required to investigate and respond within XXXX  days. Should these items remain without proper verification, they must be removed immediately. Failure to comply may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), along with pursuit of any legal remedies allowed under FCRA 616 and 617, which provide for damages in cases of willful or negligent noncompliance. I respectfully request written confirmation of the outcome of your investigation. Sincerely, 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