vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-11 00:00:00
Product: Mortgage — Manufactured home loan
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: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
I applied with Vanderbilt Mortgage and they are saying the credit score they got from XXXX  was a XXXX and my son was a XXXX. XXXX  says that does not match what they have but wont tell my shire unless I pay them money for the report. They assured me that isnt correct. My bank shows a XXXX and two finance companies did a soft credit check and one was a ) XXXX and the other a XXXX. I understand if Id in XXXX to use a lower score so they can jack up the interest rate. I think this is an illegal practice and hurts the consumers. XXXX to XXXX percentage is ridiculous and my score is closer to XXXX that would afford me a lower interest rate. They are ripping people off and need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
I am formally demanding the immediate deletion of the fraudulent information listed in my credit le. these items are the result of identity theft, and their continued presence on my report is both inaccurate and unacceptable i have reported this identity theft to the federal trade commission, and i have enclosed a copy of the ocial FTC identity theft adavit for reference. you are now in possession of documented evidence that these accounts were opened or used without my authorization. under the fair credit reporting act FCRA, you are legally obligated to investigate and remove any information that is proven to be the result of identity theft i expect full compliance with this law and the prompt removal of the disputed items from my credit report without further delay accounts previously deleted due to identity theft have been reinserted into my credit without required notice or proper vercation this is a direct violation of the fair credit reporting act FCRA

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 2025-07-11 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving Equifax and XXXX. 

As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. 

I discovered the following accounts on my credit reports that are fraudulent or improperly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( FCRA ) XXXX. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX Account not mine XXXX XXXX - XXXX Account not mine XXXX XXXX  - XXXX Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) due to the unauthorized reinsertion of a previously deleted fraudulent account on my credit reports, violating multiple sections of federal law.

FCRA Violations Involved : 1. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Credit bureaus must notify the consumer in writing within 5 business days of any reinsertion of previously deleted information. They must also disclose the name, address, and phone number of the furnisher.

2. FCRA 605B ( 15 U.S.C. 1681c-2 ) : If a consumer submits a valid Identity Theft Report, CRAs are required to block and exclude fraudulent accounts from being reported again.

3. FCRA 609 ( a ) ( 1 ) : Consumers have the right to full disclosure of all information in their credit file, including the identity of the entity that furnished the reinserted data.

Fraudulent Account Reinserted Without Notice : Creditor : XXXX ( XXXX ) Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX Employment Information Misused : XXXX XXXX This account was previously identified as fraudulent, deleted, and has now been reinserted on my credit report without my knowledge, notice, or authorization, which constitutes a willful violation of my rights.

Harm and Risk : The reinsertion of this fraudulent account is damaging my creditworthiness and ability to obtain financial services. It also reflects ongoing misuse of my personal and employment information, despite my official FTC Identity Theft Report being on file.

Requested Resolution : 1. Permanent deletion of the XXXX account from all credit reporting agencies ( Equifax, Experian, TransUnion ).

2. Written explanation of : Why the reinsertion occurred, Who the furnisher is, and Why no notice was provided.

3. A guarantee that the account will not be reinserted again unless fully compliant with FCRA 611.

4. A formal CFPB investigation into this FCRA violation, and sanctions where applicable.

5. Optional : I reserve the right to pursue monetary damages under FCRA 616 ( willful noncompliance ) or 617 ( negligent noncompliance ).

Attached : FTC Identity Theft Report # XXXX 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 2025-07-11 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: Experian Information Solutions Inc.
State: NY

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 confidentially under 15 USC 1681 XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting Knows or has reasonable causes to believe that the information is inaccurate In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting Knows or has reasonable causes to believe that the information is inaccurate 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting Knows or has reasonable causes to believe that the information is inaccurate

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 2025-07-11 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: NM

Complaint narrative:
I signed up for a debt relief program because I thought it would help me get out of financial difficulty sooner. They made it seem like they were going to reduce my debt and I would be saving significantly. They did settle and reduce the debt but when I actually logged on to and analyzed it further they were charging me a total fee of {$4000.00} for one creditor account. I was paying {$120.00} a month to the actual creditor an {$330.00} to Americor per month. To make matters worse when I called to cancel the service on XX/XX/year> they said I still owed on the {$4000.00} fee so even though I was cancelling the service with them they were going to keep my balance of {$2500.00} and on top of that would still owe on the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
i received a debit card from chime XXXX. the account wasn't opened by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally file a complaint against Experian for its failure to remove negative and closed accounts that are a direct result of identity theft, despite my efforts to dispute and notify your organization in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a victim of identity theft and have discovered multiple fraudulent, negative, and closed accounts on my Experian credit report that were opened without my knowledge or consent. Despite this, Experian has failed to block or delete the fraudulent information as required under Section 605B of the Fair Credit Reporting Act. Violations : Under FCRA Section 605B, credit bureaus must block identity theft-related information within 4 business days of receiving valid documentation. Experian 's failure to do so is a direct violation of federal consumer protection laws. This has resulted in continued financial harm, including credit denials and emotional distress. Immediate removal of all fraudulent and identity theft-related accounts from my Experian credit report. Written confirmation that the information has been permanently deleted. An explanation of why Experian failed to comply with the required timelines and procedures. Assurance that no further unauthorized reinsertion of these items will occur. I also have attached police report and dispute report from each Accounts Listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX no knowledge of this address

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 2025-07-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally file a complaint against Experian for its failure to remove negative and closed accounts that are a direct result of identity theft, despite my efforts to dispute and notify your organization in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a victim of identity theft and have discovered multiple fraudulent, negative, and closed accounts on my Experian credit report that were opened without my knowledge or consent. Despite this, Experian has failed to block or delete the fraudulent information as required under Section 605B of the Fair Credit Reporting Act. Violations : Under FCRA Section 605B, credit bureaus must block identity theft-related information within 4 business days of receiving valid documentation. Experian 's failure to do so is a direct violation of federal consumer protection laws. This has resulted in continued financial harm, including credit denials and emotional distress. Immediate removal of all fraudulent and identity theft-related accounts from my Experian credit report. Written confirmation that the information has been permanently deleted. An explanation of why Experian failed to comply with the required timelines and procedures. Assurance that no further unauthorized reinsertion of these items will occur. I also have attached police report and dispute report from each Accounts Listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX no knowledge of this address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On XX/XX/2025 my account with Mariner was closed. Mariner has been reporting to the credit bureau each month after XXXX that the account is delinquent, when the account is in dispute. The account was closed and sold. See attachment :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am a victim XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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