vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX GA XXXX Thanks, Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$610.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$12000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$21000.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$410.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$280.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$7200.00} XXXX name : XXXXXXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$800.00} XXXX.Account name XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$3400.00} 11.Account name : Account opened : Amount owed : Inquiries Account name : XXXX  Account Opened : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXX.Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXXXXXX XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX.Account name : XXXX XXXX Amount Opened XXXX XX/XX/XXXX XXXXAccount name XXXX XXXX XXXXXXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXXXXXX XXXX  Amount Opened : XX/XX/XXXX XXXX name XXXX XXXX Amount Opened : XX/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 non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Issue : Inaccurate late payments and unauthorized hard inquiries on my credit reports. 

Late Payments ( all paid on time ) : XXXX XXXX XXXX XXXX PennyMac Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Impermissible Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lowered credit score and reduced ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Issue : Inaccurate late payments and unauthorized hard inquiries on my credit reports. 

Late Payments ( all paid on time ) : XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized/Impermissible Hard Inquiries : XXXX XXXX XX/XX/XXXX ; XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX Credit XXXX Bank XX/XX/XXXX XXXX XXXX Lowered XXXX XXXX and reduced ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM XXXX XXXX, I JUST TURNED XXXX XXXX XXXX TODAY AND THE BEST PRESENT I REIEVED ARE THESE FRAUDULENT INQUIRES THAT APPEARED UNDER MY NAME TODAY, MY FRIEND THAT CAME TO MY BIRTHDAY SHOWED ME HOW TO PROPERLY VIEW MY REPORT AND WHEN I DID I GOT SHOCKD. HERE ARE THE INQUIRES THAT I SAW AND DID NOT RECOGNISE, THEY WERE DONE BY A THEIF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MADE ON XXXX XXXX I THINK THAT I AM DOING A RIGHT THING REPORTING XXXX TODAY AND I HOPE THIS GETS SOLVED AND DIDNT GO TOO FAR, I ALSO CALLED SPECIAL DEPARTMENTS OF THESE INSTITUTIONS AND TALKED TO THEM ABOUT THIS THEY UNDERSTOOD ME. I WILL HOPE FOR THE BEST. YOU HAVE TO GIVE ME THE BEST PRESENT FOR MY BIRTHDAY, MAKING ME FRAUD FREE...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: LEXISNEXIS
State: IA

Complaint narrative:
I submitted a dispute to Lexis Nexis because they have so many errors in my report. They have the address to Iowa legal aid listed as my address on there. They also have my ex mother-in-laws house listed as mine even though I never lived there and I have been divorced from him since 2009. ( Im including screenshots, showing the proof of that. ) they have information listed on there saying I had convictions for speeding tickets, even though I did not. Ive disputed all this information numerous times and it never gets corrected. Ive been denied credit and actually some of my creditors are closing my accounts down because they said there is high risk of fraud. Its at the point where Im almost gon na have to get an FCR a attorney if somebody doesnt help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I declare that incorrect late payment entries on my accounts violate 15 USC 1666. I have always paid promptly, and any errors in this reporting are unfair and unlawful.

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 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I always pay my bills on time, however I got a late payment mark on my credit. I didn't know where it came from. I need the late payment mark to be remove on my report cause this is causing damage in my score. Please Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am the verified victim of identity theft and have provided Equifax and the furnisher, Comenity Bank XXXX XXXX XXXX, with an FTC Identity Theft Report, police report, and multiple dispute letters. Despite my disputes, this fraudulent account remains on my XXXX  credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605B and 623. 

Fraudulent Account Details : Creditor : XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Revolving ( Individual ) Date Opened : XX/XX/year> Status : Paid / Current Balance : {$0.00} I have never opened, authorized, used, signed for, or benefited from this account in any way. This account is the direct result of identity theft. XXXX continued reporting of this account after receiving proper identity theft documentation is unlawful under FCRA XXXX, which mandates permanent blocking of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am the verified victim of identity theft and have provided XXXX and the furnisher, XXXX Bank XXXX Kay Jewelers, with an FTC Identity Theft Report, police report, and multiple dispute letters. Despite my disputes, this fraudulent account remains on my Equifax credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605B and 623. 

Fraudulent Account Details : Creditor : XXXX ( XXXX Bank XXXX Kay Jewelers XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Revolving ( Individual ) Date Opened : XX/XX/year> Status : Paid / Current Balance : {$0.00} I have never opened, authorized, used, signed for, or benefited from this account in any way. This account is the direct result of identity theft. XXXX continued reporting of this account after receiving proper identity theft documentation is unlawful under FCRA 605B, which mandates permanent blocking of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the XXXX XXXX XXXX allegedly filed under my name and XXXX on XX/XX/year>. I have never received proper verification from TransUnion, Experian, or Equifax that this public record was accurately matched to me using the required procedures under the Fair Credit Reporting Act ( FCRA ). 

The reporting contains multiple violations : Inconsistent court information TransUnion lists XXXX XXXX XXXXXXXX, Experian lists XXXX XXXX XXXX XXXX XXXXXXXX, and Equifax lists only XXXX  without specifying the XXXX. 

Mismatch in source verification My consumer disclosure shows None Match for XXXX XXXX  meaning no confirmed match to the primary source. 

Failure to provide documentation No signed XXXX XXXX  or certified copy has been provided to confirm this belongs to me. 

Incomplete and misleading reporting This creates inaccurate and incomplete consumer files in violation of FCRA 607 ( b ), 609, and 611. 

For security and identity theft prevention purposes, I have placed security freezes on third-party databases such as XXXX and XXXX. This ensures that any verification must be obtained directly from the original source in this case, the XXXXXXXX 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the XXXX XXXX XXXX allegedly filed under my name and XXXX on XX/XX/year>. I have never received proper verification from TransUnion, Experian, or Equifax that this public record was accurately matched to me using the required procedures under the Fair Credit Reporting Act ( FCRA ). 

The reporting contains multiple violations : Inconsistent court information TransUnion lists XXXX XXXX XXXXXXXX, Experian lists XXXX XXXX XXXX XXXX XXXXXXXX, and Equifax lists only XXXX  without specifying the XXXX. 

Mismatch in source verification My consumer disclosure shows None Match for XXXX XXXX  meaning no confirmed match to the primary source. 

Failure to provide documentation No signed XXXX XXXX  or certified copy has been provided to confirm this belongs to me. 

Incomplete and misleading reporting This creates inaccurate and incomplete consumer files in violation of FCRA 607 ( b ), 609, and 611. 

For security and identity theft prevention purposes, I have placed security freezes on third-party databases such as XXXX and XXXX. This ensures that any verification must be obtained directly from the original source in this case, the XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: ME

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
XXXX XXXX XXXXXXXX reports i have a XXXX credit card with them and i have late payment on it,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery Associates , LLC calls me daily for a debt that is not mine, I have told them the debt is not mine and asked them to stop contacting me, they call daily from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After the foreclosure judgment on XX/XX/year>, I entered discussions with a broker representing the lender regarding a possible cash-for-keys agreement. While these negotiations were still ongoing, a XXXX eviction posting dated XX/XX/year>, was placed on my door with an eviction date of XX/XX/year>. This occurred before any agreement was finalized and before all lawful procedural steps were completed. 

On XX/XX/year>, the lender canceled my property insurance approximately XXXX XXXX before the scheduled eviction date. This raised safety and compliance concerns, as eviction proceedings were not yet complete and I remained responsible for the property. 

I have reason to believe the XXXX XXXX XXXX XXXX XXXX have been contacted by the lender or its attorneys before proper authorization, which could indicate premature or improper initiation of eviction steps. 

Over the years, I have been forced into XXXX bankruptcy filings to stop foreclosure actions initiated prematurely or improperly by the lender or its agents. These repeated actions have caused financial harm, disrupted my ability to secure fair housing transition terms, and created emotional distress for my elderly mother and school-aged child. 

I am requesting that the lender disclose all communications related to my property since XX/XX/year>, confirm when and by whom the XXXX lockout was requested, explain the early cancellation of insurance, and pause eviction proceedings beyond XX/XX/year>, to allow for a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A security restriction was placed on my personal credit cards and personal accounts. My business card was out of my possession and an unauthorized deposit attempt was made at an atm. I did call navy and advised card was lost afterwads. At the time the business was out of operation and shoild not had any activity.I beleive this took place in XXXX or XXXX. Ive submitted a few appeal request but the responses are not detailed or helpful for what is needed from me to resolve issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by law.

Company response to consumer: Closed with explanation