vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Alorica Inc.
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally express my serious concerns regarding your handling of my repeated requests for complete loan documentation. I have made no fewer than XXXX documented request for the full set of loan documents and have clearly stated each time that I expect all responses to be sent to me via email. Despite this, your office has failed to provide the requested information through the appropriate channel. 

Instead of honoring this reasonable and lawful request, I have been subjected to persistent phone calls, which I have not answered, and a noticed was taped to my front door : loan statement and a letter of urgent request to contact SST actions that I consider both unprofessional and intrusive. These actions not only show a troubling lack of transparency, but they XXXX also constitute a violation of my rights as a consumer under the XXXX XXXX Practices XXXX and other consumer protection laws. I am now questioning whether this behavior reflects broader deceptive or possible predatory practices or mismanagement by your institution. 

I view this conduct as potentially harassing, and it only reinforces my concern about the integrity of your operations. 

As I have clearly stated in each of my previous requests : until this matter is fully investigated and the complete set of loan documentation is provided, I reserve the right to withhold any further payments without waiving any legal rights or acknowledging the alleged debt. 

On the letter taped to my front door on XX/XX/XXXX you labeled the loan as delinquent and would incur penalties. You must understand that it is your institutions repeated failure to provide the requested documentation that has caused this situation. Penalizing me for lack of transparency is completely unacceptable. 

No way should I be held accountable for delays caused by your institutions noncompliance. As reflected in my payment history, I have consistently paid on time and have never been late with any payments. 

I am attaching a copy of my XXXX requests for full documentation, loan statement, and a copy of the letter containing an urgent request to contact XXXX that was taped on my door, and a record of missed calls for your reference. 

Please be advised that I am forwarding this communication to the XXXX XXXX XXXX of the Office of the Attorney General and to the Consumer Financial Protection Bureau for XXXX. I expect your institution to respond promptly in writing via email, addressing my concerns and providing the complete and full documentation of our loan, as previously requested in my email dated XX/XX/XXXX. Additionally, I request that all unprofessional methods of communication cease immediately. Failure to do so XXXX result in further formal complaints to the appropriate regulatory and legal authorities.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 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 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: NRA Group, LLC
State: FL

Complaint narrative:
An unknown entity has stolen my credentials and has created a bill for what appears to be education. There are XXXX entries on XXXX  credit report website. The person in the fraud department recommended that this be reported and a copy attached to my complaint to you. XXXX XXXX XXXX has XXXX entries. I never had any education debts. My fathers XXXX XXXX XXXX XXXXXXXX allowed me to go to school under provisions for a program through the XXXX XXXX which covered any education past XXXX XXXX. There is XXXX other entry for a medical bill which states potentially negative reporting. I have received a letter for excusing me for an emergency room visit several years back but they recently opened a case. Can I get a copy of my report to you to upload to XXXX XXXX XXXXXXXX?

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: NJ

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: EQUIFAX, INC.
State: MT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX

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: TX

Complaint narrative:
RE : Formal Dispute and Demand for Investigation and Deletion Under FCRA To Whom It May Concern, This letter is a formal dispute regarding the accuracy and legality of the following item ( s ) listed on my EQUIFAX credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) ( A ).

I hereby dispute the validity and legal accuracy of this account. I am requesting that a complete and lawful investigation be conducted, and I am demanding that you : 1. Furnish a copy of the original application or contract that bears my original wet signature not an electronic or digital signature, not screenshots, and not summaries or screenshots from internal systems.

2. Validate that this account was lawfully reported and is 100 % verifiable, including the chain of custody and all required documentation under federal law.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, a consumer reporting agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is accurate.

Under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), Experian must forward all relevant information to the furnisher of the disputed data within 5 business days of receiving this dispute.

Furthermore, according to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information is found to be inaccurate, incomplete, or can not be verified, Experian must promptly delete or correct that item in my credit file.

You are hereby put on notice that you have 14-30 days from receipt of this letter to perform a full and lawful investigation. If the account can not be fully verified with legally admissible and original documentation, it must be permanently deleted from my credit report.

Failure to comply with this demand will result in the following actions : A formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ) A formal complaint will be filed with the State Attorney Generals Office Civil litigation may be pursued under the FCRA, and you may be liable for {$1000.00} per violation, as well as punitive damages, court fees, and costs. 

EQUIFAX is not above the law. The burden of proof lies on you to prove this accounts accuracy and lawfulness. If you can not furnish legally sufficient evidence including original signed documentation, this item must be deleted without delay or malice. 
This matter should be handled with the utmost urgency. Please respond in writing with the results of your investigation within the timeframe allotted by law.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SF VAGO, LLC
State: TX

Complaint narrative:
Affirm Charge-Off Dispute Company : XXXX XXXX Accounts Involved : XXXX, XXXX Issue Type : Incorrect Reporting / Failure to Respond Appropriately to Dispute or Goodwill Request Description : XXXX XXXX reported the above accounts as charged-off. I submitted a formal goodwill request asking for the removal or adjustment of the negative information due to a legitimate financial hardship that temporarily impacted my ability to pay. Despite this, XXXX refused the request, stating that their policy does not allow changes to charge-off statuseseven though the Fair Credit Reporting Act ( FCRA ) does not prohibit such updates. 

Under 15 U.S. Code 1681s-2, furnishers of credit data are required to report accurate and complete information and are not barred from updating or removing charge-offs voluntarily. Additionally, I believe the account verification may not have been conducted in full compliance with FCRA provisions. 

This refusal impacts my credit profile and my efforts to reestablish financial wellness post-hardship. I request regulatory assistance in prompting XXXX to either remove or update the reporting on these accounts as a reasonable resolution. 
Resolution Requested : Deletion or favorable update of charge-off status for accounts XXXX and XXXX. 


CFPB Complaint Template EMVLP II LLCXXXX Company : EMVLP II LLC/XXXX Accounts Involved : XXXX Issue Type : Inaccurate or outdated late payment reporting / Lack of response to dispute or goodwill request Description : EMVLP II LLCXXXX is reporting the following issue : multiple late payments between XXXX and XXXX. Despite the account being disputed and a goodwill request submitted, the creditor has failed to correct or appropriately address the reporting. Under 15 U.S. Code 1681s-2, furnishers of information must ensure accuracy and update or remove any unverifiable or incorrect data. 

The continued presence of this derogatory item is harming my credit standing, and I am requesting regulatory intervention to resolve the matter. I have made good faith attempts to contact the creditor and believe I am eligible for an update or removal based on accuracy, aging, or hardship. 
Resolution Requested : Removal or favorable update of reporting for accounts : XXXX.

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: Experian Information Solutions Inc.
State: LA

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 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: MA

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ACCOUNTS : XXXX XXXX Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXXFurthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). is flagrantly disregarding consumer protection statutes. I did not receive any notice from : accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

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: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXXFurthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). is flagrantly disregarding consumer protection statutes. I did not receive any notice from : accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 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 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: EQUIFAX, INC.
State: DE

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 XXXX DE XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2018, Balance : {$8600.00}

Company response to consumer: Closed with non-monetary relief