vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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 filing this complaint because XXXX XXXX  XXXX XXXX XXXX reinserted a previously disputed and removed tradeline on my credit report without following FCRA procedures and without validating the account as required by law. The re-reporting is unlawful, damaging, and retaliatory in nature. 

Facts : This account was not opened by me. I have never lived at any of the addresses associated with this account. 
I submitted a formal identity theft affidavit to the FTC, filed a police report, and reported the issue to the XXXX. 
I properly disputed this account with XXXX XXXX  and the Credit Reporting Agencies. 
After a prolonged dispute, the account was finally removed from my credit reports due to lack of validation and strong evidence supporting identity theft. 
XXXX XXXX reinserted the account after removal, in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires : Written notice to the consumer within XXXX business days after reinsertion ; Certification of accuracy from the furnisher to the CRA prior to reinsertion. 

I received no such notice or certification, and the account remains unverifiable. 

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted account without notice or certification. 
FCRA 623 ( a ) ( 3 ) : Continuing to report inaccurate information after being notified of dispute. 
FCRA 623 ( b ) : Failure to conduct reasonable investigation following dispute. 
FCRA 605B : Failure to block fraudulent information after receipt of identity theft report. 

Relief Sought : 1. Immediate and permanent removal of the XXXX XXXX  account from all credit bureaus. 
2. Written confirmation that the account has been deleted and will not be reinserted. 
3. Review of TD Banks furnishing procedures for compliance with the FCRA XXXX 
4. Monetary damages if applicable for continued reporting of false information and credit harm. 

Supporting Documents Available Upon Request : FTC Identity Theft Affidavit Police report XXXX report Copies of credit reports with removal and reappearance Prior dispute correspondence Proof of non-association with addresses linked to the account If this issue is not resolved promptly, I will pursue legal action for statutory damages, actual damages, and attorneys fees under the 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 2025-05-15 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: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My property tax hasnt been paid the past XXXX  years. 

I pay into escrow for tax and insurance but they didn't pay the tax bill for XXXX ( {$3200.00} ) so an investor paid it or XXXX ( {$8900.00} ) so I have until XX/XX/XXXX before an investor will pay the outstanding taxes again. Next year my property can be purchased by the investor since this is the XXXX year. I called on XX/XX/XXXX & Freedom said I would hear something within XXXX days- no word so I called today and was told the same. They said they investigated the wrong parcel # previously. In XXXX more days, I will be out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
After reviewing my credit report I notice that I have fraudulent accounts listed on my credit report. The negative are destroying my credit report and has also hurt my ability to obtain new credit. Please remove the negative collections off my report.

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 2025-05-15 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Mercury has sold this account to a debt buyer but did not remove their tradeline from my consumer report which is a direct violation under the FCRA. XXXX XXXX XXXX Mercury and the new debt owner who acquired the debt both can not be reporting for the same account. This has greatly diminished my credit worthiness and should be resolved immediately. I have retained an attorney to take XXXX XXXX XXXX XXXX XXXX XXXX Mercury should they not comply. I have filed an additional complaint with The Office of The Attorney General to further protect my consumer rights. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I am a victim of identity theft. I discovered several unauthorized credit accounts, hard inquiries, employers, and addresses listed on my credit reports that do not belong to me. 

The fraudulent activity includes : Credit inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent credit accounts opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent charge {$220.00}. 

XXXX : Opened XX/XX/XXXX, discovered XX/XX/XXXX, fraudulent charge {$5800.00}. 

XXXX XXXX : Opened XX/XX/XXXX, discovered XX/XX/XXXX, no amount reported. 

Incorrect employment information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized addresses listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Since discovering these issues, I have taken the following actions : Disputed all inaccurate and fraudulent entries with the credit bureaus. 

Filed an Identity Theft Report with the FTC ( Report # XXXX ). 

Submitted documentation to the relevant institutions for investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I am a victim of identity theft. I discovered several unauthorized credit accounts, hard inquiries, employers, and addresses listed on my credit reports that do not belong to me. 

The fraudulent activity includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent credit accounts opened in my name : XXXX XXXX XXXX : Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, discovered XX/XX/XXXX, fraudulent charge {$5800.00}. 

XXXX XXXX : Opened XX/XX/XXXX, discovered XX/XX/XXXX, no amount reported. 

Incorrect employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized addresses listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Since discovering these issues, I have taken the following actions : Disputed all inaccurate and fraudulent entries with the credit bureaus. 

Filed an Identity Theft Report with the FTC ( Report # XXXX ). 

Submitted documentation to the relevant institutions for investigation and resolution.

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 2025-05-15 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: IL

Complaint narrative:
I am a victim of identity theft. I discovered several unauthorized credit accounts, hard inquiries, employers, and addresses listed on my credit reports that do not belong to me. 

The fraudulent activity includes : Credit inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent credit accounts opened in my name : XXXX XXXX XXXX : Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, fraudulent charge {$5800.00}. 

XXXX XXXX : Opened XX/XX/XXXX, discovered XX/XX/XXXX, no amount reported. 

Incorrect employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized addresses listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Since discovering these issues, I have taken the following actions : Disputed all inaccurate and fraudulent entries with the credit bureaus. 

Filed an Identity Theft Report with the FTC ( Report # XXXX ). 

Submitted documentation to the relevant institutions for investigation and resolution.

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 2025-05-15 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had appealed a portion of a payment to XXXX XXXX for overcharging me. I filed with the department of insurance against them. I provided Navy Federal with sufficient documentation to cooperate my dispute. They issued a temporary credit. During the investigation they reached out to the merchant then overturned my credit of {$200.00}. This caused my account to overdraft. It has been overdrawn since last Friday. I havent talked to XXXX XXXX since XX/XX/year> prior to yesterday. I received an email from XXXX XXXX stating they issued a full refund on XX/XX/year> but it wasnt issued until yesterday but Navy Federal has the funds on hold until XX/XX/year>. I called numerous times and Navy Federal is putting the blame on XXXX and XXXX is putting it on Navy Federal and my account is overdrawn still. XXXX was telling me different amounts I owe a different due date than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-05-15 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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

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 2025-05-15 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute XXXX medical bills that have been reported on my credit report. These debts are inaccurate and may violate federal consumer protection laws. According to the Consumer Financial Protection Bureau ( CFPB ) and under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., consumer reporting agencies must ensure that all information reported is accurate and can not include unverifiable or disputed debts. Furthermore, effective XX/XX/year>, changes under the XXXX XXXX XXXX  XXXX and reinforced by CFPB guidance prohibit credit reporting agencies from including medical debt that is less than XXXX  days old or that has been paid in full. These rules are designed to protect consumers from the long-term impact of medical billing errors and collection practices that do not reflect a consumers true credit risk. 

In light of these protections, I request a formal investigation into the medical debts in question. If the reporting agencies or data furnishers can not provide evidence that the debts are accurate, over XXXX  days old, and legally collectible, they must be removed from my credit report under XXXX XXXX. XXXX ( the FCRA 's reinvestigation requirement ). I also reference the CFPBs XXXX  bulletin highlighting that coercive or confusing medical billing practices often result in incorrect negative reporting, which undermines the integrity of the credit reporting system. I appreciate your assistance in protecting my consumer rights and ensuring compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-15 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: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief