vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) for the immediate removal of the inaccurate and unverifiable accounts listed below. I have previously disputed these accounts, and they were allegedly verified without Experian ( or the applicable bureau ) providing any documentary evidence or validation.

Verification based solely on the furnishers internal confirmation, without furnishing original signed contracts or billing records, does not constitute proper verification under federal law.

Disputed Accounts : 1. XXXX XXXXXXXX XXXX XXXX Status : Open, {$1300.00} past due as of XX/XX/XXXX Issue : This account continues to report past-due status and monthly activity, but no contract or proof of original authorization has ever been provided. 
Violation : Verified as accurate with no documentation furnished to the consumer.

2. XXXXXXXX XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) Issue : This secured loan account was previously disputed and remains listed with derogatory status, despite no documentation showing ownership or contract terms. 

Applicable Legal Violations : FCRA 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy. Continuing to report unverifiable data violates this standard.

FCRA 1681i ( a ) : If information can not be verified through reasonable investigation and supporting documentation, it must be deleted.

FCRA 1681s-2 ( b ) : Data furnishers are required to investigate disputes and correct or delete any inaccurate or unverifiable information.

Hinkle v. Midland, 827 F.3d 1295 ( 11th Cir. 2016 ) : Legal precedent confirms that verification must include documentary evidencenot merely a response from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Experian keeps reporting outdated information on my credit report and everytime I ask them for information verification they put the outdated information back on my credit report which is a violation of the fair credit act not only that none of my credit reports are the same which up under the fair credit act all information must be updated and reflect the same information then its all kinds of inquiries on my credit report I didn't authorize and they wont remove them

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 2025-06-30 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-06-30 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This message is to formally state that XXXX Company did not and does not have my express written permission to report, share, or publish any of my personal or financial information to any credit reporting agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company must have a permissible purpose and/or written consent to furnish information to a consumer reporting agency. At no time did I provide such consent to your company. Therefore, any such reporting is unauthorized and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 XXXX XXXX XXXX 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 2025-06-30 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: VA

Complaint narrative:
Formal Dispute of Inaccurate Information Demand for Deletion Under FCRA 611 * *

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 2025-06-30 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: IL

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.

15 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy as a consumer.

Under Section 604 ( a ), consumer reporting agencies are prohibited from sharing any account information without my written consent.

Section 1681c ( a ) ( 5 ) further states that no consumer reporting agency may include any negative information in a reportexcept criminal convictionsif the information is more than seven years old.

Lastly, Section 1681s-2 ( a ) ( 1 ) provides that no person may furnish information to a consumer reporting agency if they know, or have reason 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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX a statement was sent to us that stated that we owed {$7200.00} for the month of XXXX. This is inaccurate. Our payment has been put as " * partial/unapplied paymt '' for XXXX the phone we confirmed that the payment was FULL on the date of XX/XX/XXXX. XXXX withheld {$1.00} and stated that is why it is in a holding account. The customer service representative continued to give us false information over the phone regarding our payments. We verbally agreed to make a full payment and were told over the phone on XX/XX/XXXX that the payment was in full. CMG then went on to report us - AFFECTING OUR CREDIT SCORES.

CMG also sent us certified official mail on XX/XX/XXXX stating that we were at risk for foreclosure. " IF YOU DO NOT RESPOND WITHIN XXXX DAYS, A NOTICE OF DEFAULT MAY BE ISSUED AND YOU MAY LOSE YOUR HOME IN FORECLOSURE '' CMG has harassedus by calling us multiple times to inform us that we are not current on our loan and at risk for foreclosure. I have paperproof stating that CMG did not apply thatpayment in full. Their response is fraudulent.The amount of harm and stress that this mortgage company has done to our family is insurmountable. CMG has caused us harm and stress. I have had to miss work to make phone calls to CMG to sort out theirconstant miscommunication. The amount of hours that we have spent on the phone with CMG is unnecessarydue harm. We have evidence that we were coerced into loss mitigation options when there was knowledge that we would not have been eligible. We have asked if we were reported negatively on our credit and have been told over the phone that there was no record of negative credit reporting. This is false. We have tried to apply for a credit card to help finance our honeymoon vacation and were denied based off our credit score because CMG reported our payment missing for XXXX of XXXX have been coerced. We have had our funds unapplied. We have been harassed. 


XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-30 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 writing to dispute an account or transaction that appears to be the result of identity theft. I did not authorize this account or any associated activity, and I am requesting that it be investigated and permanently removed from my credit report. 

Disputed Information : XXXX XXXX XXXX Account # XXXX Details : I have never applied for, opened, or used the above-mentioned account. It was opened and/or used without my knowledge or permission and is a clear case of identity theft. I am formally requesting the removal or correction of this fraudulent item from all records and systems, including credit bureau reporting, under the protections afforded by 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 2025-06-30 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 dispute an account or transaction that appears to be the result of identity theft. I did not authorize this account or any associated activity, and I am requesting that it be investigated and permanently removed from my credit report. 

Disputed Information : XXXX XXXX XXXX Account # XXXX Details : I have never applied for, opened, or used the above-mentioned account. It was opened and/or used without my knowledge or permission and is a clear case of identity theft. I am formally requesting the removal or correction of this fraudulent item from all records and systems, including credit bureau reporting, under the protections afforded by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
On XX/XX/year> I was XXXX  in XXXX XXXX West Virginia by a state trooper last name XXXX, when they searched my person they confiscated my wallet which had all my bank cards and ID and other personal keepsakes, the state trooper then had somehow left my wallet on the side of the road where I was XXXX. I was released from jail a few days later and the jail didnt have my wallet so they told me to speak to the state troopers and so I did as instructed and then the state troopers told me to speak with the XXXX XXXX XXXX checking if they left it in the car and again I did as instructed and couldnt find it so I was told to speak to the jail and the jail told me to speak to the state troopers again and again and so I didnt know my wallet was picked up by somebody and was under the impression that I was going to be able to get it back eventually however on the day of XX/XX/year> whoever had stolen my wallet took my debit card ( from what the merchants stated the thief had linked my card to their apple wallet therefore they wouldnt have to use my PIN number to use it they just had to use it through Tap pay or Apple Pay ) well the thiefs then starting at XXXX made purchases at several places. I didnt receive any alerts from my bank until about XXXX after the thief had already used my card at XXXX different stores spending a total of {$160.00}. I immediately contacted my bank and cancelled the card along with calling the local police and filing a police report. I was told to dispute each transaction that was made by the thief and so I did and my bank has denied all of them multiple times now even after I submitted evidence and everything they asked for including the police report however they said in order to appeal them I had to come up with new evidence and documents yet everything I can provide them was already submitted and now they keep saying they wont do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have no way to speak to a actual person through experian. I noticed my address has been changed to XXXX, which I do not reside and when I try to login to experian to pull my reports, it pops up incorrect email and phone number however its under my name, birthdate, and social. Theres MULTIPLE inquiries on my credit that was not me. I noticed inquiries dating back to 2023 that is fraudulent, and I know who this person is. Iv tried contacting the police and experian and im not getting any help from anyone. I dont know what to do and how to get my credit fixed.

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 2025-06-30 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-06-30 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: OH

Complaint narrative:
I am writing to formally demand the immediate deletion of a fraudulent and unauthorized account that has appeared on my credit report. This account was opened without my knowledge, permission, or consent, and it constitutes a clear case of identity theft. 

Let me be extremely clear : I did not open this account. I did not authorize it. I have never had any dealings with this entity, and any suggestion otherwise is entirely false. This is an illegal use of my personal information, and its presence on my credit file is both damaging and unjust.

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 2025-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Repetitive dispute letters sent to creditor and CRAs-no response from Bank of America.While XXXX XXXX and XXXX  found the account was accurate.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am disputing two Affirm accounts that are reporting inaccurately on my XXXX  credit report. These accounts are being re-aged each month as if they are new charge-offs, which is a violation of the Fair Credit Reporting Act. 

Specifically, these two Affirm accounts continue to show a charge-off status with a new date of last activity every month, even though the accounts were charged off long ago and have had no new activity. This is an illegal reporting practice. 

I am requesting a full deletion of both accounts from my credit file not an update due to repeated inaccurate and unlawful reporting behavior. 

Affirm Account 1 : XXXX Affirm Account 2 : XXXX Ive already disputed this directly with XXXX, and they verified the accounts without correcting the illegal reporting. Im requesting the CFPB investigate this immediately and ensure full removal from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}

Company response to consumer: Closed with non-monetary relief