vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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 XXXXXX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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 XXXXXX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-17 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:
This is my second attempt to fix this issue, and I am extremely frustrated that these accounts are still showing on my credit file. These are not mine, and I have no knowledge of them. I already sent all required documents, including my FTC Identity Theft Affidavit, ID, proof of address, and other evidence, yet nothing has been resolved. Under the FCRA, fraudulent information should be blocked within four business days, a fraud alert should be placed to protect me, and a proper reinvestigation should be done. Instead, I keep receiving generic responses that say verified as accurate, without any proof or sources. This is unfair, unlawful, and continues to harm me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX ) -XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Equifax Information Services LLC on my 1 ) -Mortgage, 2 ) -Credit line secured, 3 ) -Credit Card, 4 ) -Unsecured loan account XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX for the date XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I took out a student loan through Climb Credit in XX/XX/year> to pay for XXXX, XXXX XXXX XXXX. I was rushed to complete the loan application by a XXXX employee and was not informed that for the first eight months I would only be paying interest, which placed me in unnecessary financial burden. 

The program was misrepresented at onboarding, including mentorship, career growth opportunities, and promised support. Mentors were frequently fired, making guidance inconsistent, and I experienced unfair and dishonest practices throughout my time as a student. XXXX  ended its partnership with Climb Credit but refuses to refund me or rectify the situation. 

I am requesting a refund of my Climb Credit loan and an investigation into the unethical and misleading practices by both XXXX  and Climb Credit. I have documentation showing my communications, evidence of misrepresentation, and attempts to resolve this directly with both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In XX/XX/XXXX, a late payment was reported on my XXXX XXXX XXXX  line of credit account as 3059 days late. The account was later reported to the credit bureaus on XX/XX/XXXX, and verified again in XX/XX/XXXX. Federal law requires that consumers be provided at least 21 days notice before a payment due date, but I did not receive any such notice. 

I have disputed this inaccurate late payment reporting directly with XXXX XXXX XXXX as well as with Experian, Equifax, and TransUnion ( initial dispute submitted XX/XX/XXXX ). Despite this, the late payment remains on my credit reports, and the credit reporting agencies have marked the account as verified without providing supporting documentation or the legally required Method of Verification.

This reporting is inaccurate and misleading, as I was not delinquent and no proper notice was provided. The failure to correct or properly verify this account continues to cause harm to my credit standing.

Below i have included the proper documentation 1. identification 2. proof of address 3. account of late payments and letters of disputes 4. social security card

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 2025-09-17 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: HI

Complaint narrative:
In XX/XX/XXXX, a late payment was reported on my XXXX XXXX XXXX  line of credit account as 3059 days late. The account was later reported to the credit bureaus on XX/XX/XXXX, and verified again in XX/XX/XXXX. Federal law requires that consumers be provided at least 21 days notice before a payment due date, but I did not receive any such notice. 

I have disputed this inaccurate late payment reporting directly with XXXX XXXX XXXX as well as with Experian, Equifax, and TransUnion ( initial dispute submitted XX/XX/XXXX ). Despite this, the late payment remains on my credit reports, and the credit reporting agencies have marked the account as verified without providing supporting documentation or the legally required Method of Verification.

This reporting is inaccurate and misleading, as I was not delinquent and no proper notice was provided. The failure to correct or properly verify this account continues to cause harm to my credit standing.

Below i have included the proper documentation 1. identification 2. proof of address 3. account of late payments and letters of disputes 4. social security card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
Company failed to remove items from my report. They also failed to respond in the 4 days windows for identity theft and the 30 days window for investigations. 

See CFPB complaint # XXXX, XXXX, and 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 2025-09-17 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: TX

Complaint narrative:
THE XXXX CREDIT CARD DOESNT EXIST AND I HAVE IT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an auto loan with Navy Federal Credit Union. XXXX  is reporting this account inaccurately and inconsistently. 

The account is listed as charged off with the full balance written off, but it is also reported as currently past due in full ( {$35000.00} ). Once an account is charged off, it can not simultaneously be reported as still fully past due. This is contradictory, misleading, and not consistent with XXXX XXXX reporting standards. 

In addition, XXXX  previously reported balance history that stated Paid on XX/XX/XXXX, but the account still shows the entire balance owed. This creates further inconsistency and confusion. 

I disputed this account with XXXX  in XX/XX/XXXX. XXXX  responded that the account was verified, but the contradictory reporting was not corrected. I then submitted a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ), asking XXXX  to provide the name and contact information of the furnisher they verified with, the method used, and any documentation relied upon. XXXX did not provide this information. 

Because of these issues, the tradeline is inaccurate and misleading, and XXXX  has not corrected it after my dispute. I am requesting that this account be corrected or deleted to comply with the FCRAs requirement for maximum possible accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Kriya Capital, LLC
State: MD

Complaint narrative:
ILast week a false credit charge was added to my XXXX  credit reporting from a XXXX XXXX company claiming i opened a account XXXX closed it XXXX ( RED FLAG .. IF THEY HAVEN'T CHANGED THE DATE )!!!! The reason I don't call is because I've had my identity stolen before and still is alert from XXXX, XXXX, XXXX and just recently XXXX  breach!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$3100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL

Complaint narrative:
Im having some financial problems right at the moment and I am XXXX  months behind on my mortgage from XXXX, XXXX, and XXXX I already explained to them that on the XXXX of XX/XX/year> I will be making XXXX payments to catch up and I was told I could not that they would not apply the payments I was told that I had to make XXXX payments by XX/XX/XXXX this isnt the first that this happened and I am fed up I dont want to lose my home because they refuse to take my money what can I do? Is this even legal my lender is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am submitting this complaint to supplement my earlier filings ( IDs : XXXX, XXXX, XXXX, XXXX ). Those cases were closed without review of key evidence. 

XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX  ) is furnishing false and inconsistent credit reporting information despite receiving court-ordered garnishment payments. 

Garnishments Deducted : My wages were garnished through XXXX beginning XX/XX/XXXXXXXX  until XX/XX/XXXX, with deductions appearing on every paycheck. The amounts varied, but most pay periods reflect a deduction of approximately {$440.00}. This totals several XXXX dollars that were taken directly from my wages. 

Conflict With XXXX  Letter : In their XX/XX/XXXXXXXX  letter to me, XXXX claimed they received garnishment payments until XX/XX/XXXX. This is false. My payroll records prove the last garnishment was XX/XX/XXXX. I never made any direct payments to XXXX. 

False Credit Reporting : Despite garnishment payments, XXXX continues to report inaccurate derogatory remarks such as Customer Unable to Locate Consumer and ongoing charge-off updates. This is knowingly false because my employer was garnishing my wages, proving I was locatable and actively paying. 

Re-Aging of Debt : The credit card account was marked paid charge-off in XX/XX/XXXX, yet XXXX  and the credit bureaus continue to update the account monthly with derogatory remarks. This artificially extends the negative impact on my file beyond the 7-year reporting limit. 

CRA Failures : I disputed with Equifax, XXXX, and XXXX  in XX/XX/XXXX. Instead of correcting the record, they verified XXXX  inaccurate reporting, despite being provided with pay stubs and documentation of garnishment. This is a violation of FCRA 1681s-2 ( b ) because the CRAs and XXXX failed to reasonably investigate and correct.

Company response to consumer: Closed with explanation