vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: DC

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 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 2025-06-11 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi fraud department Happened XXXX XXXX with closure and no call or anything. Had to call myself with no access into account after I finished my route. XXXX paid from a job and didnt know check were fraudulent from company and still closed account. Got account approved for closure XXXX XXXX. And stating to call or go into branch if I need my funds sooner. And explained the situation I may not be at address or have an address to send too. And they still said they couldnt and story changed to XXXX get it after XXXX days. And still receiving alerts on my account.

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 monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian and Fair Collections & Outsourcing ( XXXX ) for inaccurately reporting a collection account past the XXXX limit allowed by the Fair Credit Reporting Act ( FCRA ). 

The account in question is a collection stemming from a broken lease with XXXX XXXX. A judgment related to this lease was filed in XX/XX/XXXX, which strongly indicates the original date of first delinquency ( DOFD ) occurred on or before XX/XX/XXXX. 

Under the FCRA ( 15 U.S.C. 1681c ), adverse accounts can only remain on a credit report for 7 years from the XXXX. Both TransUnion and Equifax have already removed this account from my credit reports, which supports that the XXXX reporting window has expired. Despite this, Experian is continuing to report this account with a projected removal date of XX/XX/XXXX, based on a charge-off date provided by Fair Collections not the XXXX. 

This is inaccurate and violates the FCRA. The XXXX reporting window must begin from the initial delinquency date with the original creditor not when the account was passed to collections or charged off. The judgment filed in XX/XX/XXXX confirms that the debt was delinquent at that time or earlier. 

I previously contacted Experian and requested an early deletion ( which they commonly allow within 36 months of the fall-off date ) and/or a correction to reflect the proper DOFD. I was denied based on the date reported by the collection agency, not the original delinquency.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: U.S. Equity Advantage Holdings, Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding XXXX due to multiple issues with how my payments have been handled and how funds were applied between XXXX different auto loans. 

When I traded in my previous vehicle ( XXXX XXXX ) for a new vehicle ( XXXX XXXX ), I was informed by XXXX representatives including management that funds previously withdrawn for my XXXX loan were being applied as a credit toward my new XXXX loan through AutoPayPlus. I was directly told that I had over {$800.00} in credit being transferred. However, my bank statements and XXXX transaction history clearly show that XXXX continued to withdraw payments for both vehicles. They deducted funds for my XXXX multiple times while still withdrawing payments that had already been applied or were no longer due. 

I have attempted to resolve this with XXXX directly, but they have failed to provide full and accurate documentation of all payments and phone calls as I requested. Despite multiple requests, they only refunded {$810.00}, leaving significant funds unaccounted for. Based on my own records, I am still owed approximately {$1800.00} or more. 

Additionally, XXXX failed to properly apply the funds they withdrew, leaving my account status and payment history inaccurately reported to my lender. This has created financial harm, emotional distress, and potential damage to my credit standing. 

I have notified XXXX that I have reported this matter to the appropriate agencies in preparation for legal action if necessary.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by one or more consumer reporting agencies and data furnishers. My consumer credit report ( XXXX ) are currently showing multiple incorrect and unauthorized addresses which are not mine and to which I have no connection whatsoever. 
The following addresses are falsely associated with my credit profile : XXXX. XXXX XXXX Ct, XXXX, LA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, LA XXXX Incorrect XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect These addresses are not now, nor have they ever been, associated with me in any capacity residential, business, or otherwise. Their inclusion on my credit report is the result of inaccurate reporting, erroneous data matching, or possibly identity confusion or theft. 
Violations of Law This matter constitutes a direct violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information. 
15 U.S. Code 1681g ( a ) ( 1 ) ( A ) : Consumers have the right to know all the information in their file at the time of request, including the sources of that information.

These addresses affect my identity verification, financial standing, and ability to obtain credit, housing, or employment. Their continued presence on my report constitutes gross negligence, particularly after notice has been given.

Requested Action I am requesting that the CFPB launch a full investigation into the reporting of these addresses and the systems used to validate and match such data. I am further requesting : Immediate deletion of the above-listed incorrect addresses from all consumer reporting agencies ( Equifax, Experian, and TransUnion ) XXXX 
Written confirmation of the deletion. 
Investigation into whether these errors resulted in other false account information being reported under these identities. 
This situation is creating hardship and potential confusion with lenders, landlords, and employers. I have never lived at or been associated with these addresses. I demand a thorough and prompt resolution. 
Thank you for your time and attention to this matter.

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 2025-06-11 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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 2025-06-11 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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 2025-06-11 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
My mortgage was in an approved forbearance from XXXX through XX/XX/year>. Despite this, my mortgage servicer reported me as late for all three months to the credit bureaus even though I was not required to make payments due to the approved forbearance. 

On XX/XX/year>, I contacted the servicer to request a forbearance extension prior to the next payment due date. I was told it would take XXXX days to process. This request was timely, and no additional documentation was requested. However, over XXXX  days later, no action has been taken. I have made multiple follow-up calls and received conflicting information each time. Most recently, I was told no escalation had even been submitted. Meanwhile, late payment marks have continued to be reported. 

This violates standard loss mitigation servicing guidelines. Under RESPA and CFPB rules, servicers are required to review complete forbearance or loss mitigation requests within XXXX  days and provide a decision or request for additional documentation. This timeframe has not been honored. 

The servicers failure to review the request in a timely manner, communicate consistently, or prevent credit damage despite an active forbearance has directly harmed us. Our credit scores have dropped over XXXX points, and we have experienced financial and emotional distress as a result. This mishandling XXXX also represent a willful violation of the Fair Credit Reporting Act ( FCRA ).

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

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear : TRANSUNION This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ).

I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 )

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2025-06-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00}

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