vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding the inaccurate, unverifiable, and unauthorized items currently appearing in my credit file. The credit bureaus and furnishers have failed to ensure maximum possible accuracy under FCRA 607 ( b ), have reported unverifiable information in violation of FCRA 611, and have allowed unauthorized credit pulls in violation of FCRA 604 ( a ). 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * Date Opened : XX/XX/year> Balance : {$700.00} Collection * * Issue : Inaccurate Collection Account Reporting Law : FCRA 1681s-2 ( b ) obligates furnishers to conduct proper investigations upon receiving disputes and to delete unverifiable accounts. FDCPA 15 U.S.C. 1692e prohibits false representation of debt and 1692f prohibits unfair practices.

Story : This account is reported as a collection without proper validation. I never received any debt validation letter from the collector as required by 15 U.S.C. 1692g. The account may be the result of mistaken identity or billing error. No original signed agreement or itemized statement proving the debts legitimacy has been provided to me. Reporting this account without verification damages my credit score, impedes my ability to obtain credit, and causes emotional distress. Continuing to report unvalidated debt constitutes a willful violation of both the FCRA and FDCPA. 
I have already attempted to dispute these inaccuracies directly with the credit reporting agencies, yet they remain on my file. Under FCRA 611, if the information can not be verified within XXXX days, it must be deleted. The continued reporting of this unverifiable and unauthorized information is willful non-compliance, making the furnishers and CRAs liable for statutory and actual damages under FCRA 616 and 617.

I am requesting that the CFPB open a formal investigation into these violations, compel the credit bureaus and furnishers to provide documented proof of accuracy, and order the immediate deletion of the disputed addresses, account, and inquiries from my credit file. If verification can not be produced, deletion is required by law. 
Enclosed are copies of my disputes, responses received ( if any ), and a copy of my government-issued identification to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: VA

Complaint narrative:
i have an account with klarna that was sent over to u guys about to transactions that were the result of of id theft. i been wrote u guys months ago about this and u gave me a response that u processed my complaint due to id theft so when i contact klarna they said u guys never sent anything at his has been goin on for 2 years and some months just recently attached is all of the communication is received from u that i informed klarna about as well but u guys have done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 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 XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

Account Name : NXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

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



List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: LA

Complaint narrative:
company is reporting incorrect information. 

account has never been past due account was not paid with settlement arrangement. 

account was paid as agreed. 

account has never been XXXX, or any other days past due. 
I was also given a check for over payment on the account I received a refund for over payment on the account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this formal complaint against Oportun/XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX compliance, and potential IRS regulations regarding a charged-off account. 

Facts : - Oportun/XXXX XXXX is reporting an account as Charge-Off with a balance of {$6900.00} on my consumer reports. 
- Oportun has notified me in writing that this debt has been SOLD/TRANSFERRED to a third-party. 
- The account continues to report with a balance and derogatory status, violating FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ), and CDIA XXXX XXXX standards requiring {$0.00} balance and Transferred/Sold status. 

Violations : - Furnishing inaccurate information with actual knowledge of errors ( FCRA 1681s2 ).

- Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ).

- Reporting cancelled debt as collectible balance, potentially violating IRS regulations.

Requested Resolution : - Immediate deletion of the Oportun/XXXX account from all consumer reports. 
- Investigation into Oportuns furnishing practices and compliance with FCRA and XXXX XXXX. 
- Appropriate enforcement actions and penalties for willful noncompliance. 

Attached are copies of my credit report, dispute letters, and notice from Oportun confirming the sale/transfer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX Date of Birth : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 XXXXXXXX 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 explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Zip Co US Inc.
State: VA

Complaint narrative:
ive never missed a payment with this company zip for the past year and a half every time i try to check out it says my credit is frozen i have contacted all XXXX XXXX XXXX and they told me i have no block on my report or frozen but zip will deny my stuff every time i try to check out a product i have never missed a payment and all they keep saying each time they call that its fixed i try to buy something say results each time sayin my credit is frozen when its not preveous complaint and response enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I called and talked to the company in XXXX and verified the debt didnt belong to me. Birthday is not the same as mine and Ive never lived at the property or have any knowledge of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-12 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their deletion within XXXX days. I have included the relevant documents for your review.

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 2025-08-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this statement to address the issue of my credit report reflecting No Score despite my expectation of a calculated credit score. A credit score should be generated when a consumers file contains sufficient and accurate credit history meeting the scoring model requirements.

I believe the No Score designation may be due to one or more of the following : Inaccurate or incomplete reporting of my credit accounts Failure to include all tradelines and payment history available in my file Improper suppression, blocking, or omission of accounts during reporting Scoring model misapplication or data mismatch I request that the credit bureau and any relevant parties review my file for accuracy and completeness in accordance with the Fair Credit Reporting Act ( FCRA ) and ensure all valid credit information is included in my report so a proper score can be calculated. 

If a score can not be generated, please provide a detailed explanation, including : The exact reason the score was not calculated. 

The specific scoring model used and its requirements. 

Any missing or suppressed data elements that caused the score to be unavailable. 

This statement is submitted for inclusion in my file and for CFPB review to ensure my consumer rights are protected under federal 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Immediate Removal Demand of Fraudulent Accounts under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) 4-Day Removal Request I am writing to demand the immediate removal of fraudulent and inaccurate information related to the following accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 were opened fraudulently without my authorization and must be blocked from my credit file immediately. 

Under the FCRA, you are required to block fraudulent information within four ( 4 ) business days of receiving this notice. Failure to comply is a violation of federal law and will leave me no choice but to pursue all available legal remedies.

Please provide written confirmation that you have removed these fraudulent accounts from my credit report within the 4-day timeframe.

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 2025-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Tona Mortgage, LLC
State: AZ

Complaint narrative:
My husband and I had the unfortunate experience of working with the mortgage company XXXX XXXX, on a XXXX. This was the company or mortgage lender, XXXX XXXX, used to do the XXXX  for the purchase of our home. They got the loan application, gave conditional approval and then did nothing for XXXX weeks. As a result, we missed our closing. They spent XXXX weeks telling our broker that they were getting everything finished and we would close on time. We did not. They also didnt notify our broker in the mandated XXXX hours notice so as a result we were in breech. They then spent the next day telling our broker not to worry they would get it done, and they would work through the weekend to ensure it went through. Monday morning XX/XX/year> came and went and nothing from them. The broker followed up to receive nothing but an out of office email from the account XXXX. He escalated it to her boss yet again and nothing. He spent the whole day getting the run around and being told the account XXXX had connectivity issues. As of now we have had to cancel the XXXX and pivot to a traditional loan so that we can close on the house. This fumbling and unprofessional behavior has put us and the sellers in jeopardy. Lives are being messed up personal plans and trips are having to be reworked all because a company couldnt do the job they were contracted to do. When we went in to cancel the loan, we also found they had raised the interest rate significantly without informing us. The business practices are appalling!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Entrata Inc.
State: CA

Complaint narrative:
XXXX XXXX  enrolled me into the RentPlus program after I explicitly refused the offer in writing. There was no notice given that I had been registered for this service, or that I would start getting charged for it on a monthly basis. I was charged XXXX for XXXX months. I only noticed after I checked my credit report and saw new sources of credit history, matching my rent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned 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 2025-08-12 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief