vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is reporting multiple charge-off accounts that continue to update monthly and appear to be in violation of XXXX XXXX formatting and FCRA standards . Some accounts may have been re-aged or are missing accurate dates and balances. I submitted disputes and asked for proper verification under the law, but I haven't received sufficient documentation or corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NH

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I had identity theft and the credit reporting agencies are still reporting wrong information on my consumer reports. The accounts and information that are identity theft as listed XXXX XXXX XXXX account number XXXX, and an inquiry opened apparently in XX/XX/year>, I filed a FTC report about these items and sent them to the consumer reporting agencies Experian, TransUnion and Equifax a long with everything the FTC report contained. They deleted some of the items on my reports but not all. 
Also a fraudulent address that I requested them to remove. A address of XXXX XXXX XXXX XXXX XXXX XXXX, Experian said that they could not remove this address. Also a address that does not report correctly of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I have no idea why they made a variation of this address. My home address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 
Also this Banking company XXXX XXXX had another account listed as XXXX sent me billings statements trying to claim it was my accounts after I sent them the FTC report # XXXX. I never had these accounts and Consumer reporting are by law my remove and block Items with in 4 days of this.

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 2025-04-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$33000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: OH

Complaint narrative:
I am a victim of identity theft exposed in the XXXX Databreach I have fraudulent information listed on my credit report names, addresses, accounts and more. In reference to U.S Codes 1681c-2 information need to be blocked due to identity theft, 1681s-2 responsibilities of furnishers information, and 1681b permissible purposes of consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris, on a debt I made a small payment XX/XX/year> was told I had to make a payment weekly, not monthly. I didnt make a payment plan as it didnt meet my budget minimum. If I didnt make weekly payments I WOULD be reported weekly to credit bureaus. Every 29 days maybe after nonpayment but this rule of theirs is aggressive. It is not easy to find a 2nd job to pay Harris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I reviewed my TransUnion credit report and found multiple accounts that are either inaccurately reported, potentially re-aged, or are still updating monthly despite being charged off. These accounts appear to violate FCRA standards and Metro 2 reporting guidelines. I submitted a formal dispute and requested documentation and method of verification, but no proper verification or correction was provided. The ongoing misreporting is harming my credit profile and preventing me from moving forward financially.

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB
State: OH

Complaint narrative:
I am reaching out to file a complaint against the company klarna, and XXXX XXXX. I had allowed my boyfriend to use my klarna to make a purchase and he made the first payment and then his hours got cut at work and he then was laid off which left him unable to pay. This was on my klarna account and they sent it over to debt collectors at XXXX XXXX. True accord sent me an email on Monday XX/XX/XXXX letting me know they were in charge of this now and that if I wanted to dispute the charges to respond to the email. I responded telling them I want to dispute the charges of {$250.00}. Then on Tuesday XX/XX/XXXX, I was sent an email that the debt had been paused and they were sending this back over to klarna to handle. I contacted Klarna by phone on XX/XX/XXXX, and they said that the payments were sent to XXXX XXXX and they couldnt help and I would need to contact them. Once off the phone with Klarna I called true accord and they confirmed they sent it back to Klarna and could no longer help and that I needed to contact klarna I stated to them that I had just gotten off the phone with klarna and they told me true accord was fully handling this. They said they were not and that klarna a system might not have updated yet. I called klarna back to let them know this again and the man I spoke with seemed frustrate and told me he doesnt know why true accord would give me misinformation and that they were handling this. He advised me to wait XXXX days then contact them again. Yesterday was XXXX days so again I contacted XXXX accord and they told me the same thing that they sent it back to klarna on XX/XX/XXXX at XXXX. He sent me an email as confirmation so I again called klarna back asking for their help with this. The man I spoke to today was not very helpful at all. He told me the same thing Ive been hearing true accord was handling this and they couldnt do anything. I let him know true accord sent me an email showing that they sent it to klarna and I said so I would appreciate your help. The guy said he cant help all I can do is pay. I told him I wanted to file a dispute that is what Ive been trying to do and its been the biggest hassle ever. The man I spoke to three days ago at Klarna said he could help with the dispute once it was back in their hands. This guy today said I cant dispute, he said hed remove the late fees then said sorry I cant, he mentioned hardship relief then said oh sorry I cant do that either. He said all that can be done is I pay. I told him this isnt my purchase to pay. I wasnt responsible for these charges and its all negatively effecting me. I provided proof of everything Im saying and he was unwilling to work with me. He told me to find a way to pay my boyfriends debt and hopefully he will pay me back. If I was able to pay this for him, I already would have. Its not something I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-04-04 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: LA

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Paid off mortgage in local Fifth-Third Branch on XX/XX/XXXX. Pay-off was acquired and loan was closed. Release was filed XX/XX/XXXX. On XX/XX/XXXX received notice my loan was in default and my payment was reversed. Have opened multiple cases since with no outcome. Continue to receive mail phone calls etc only to start the process over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
Our mortgage was sold from XXXX to Lakeview. Since the mortgage was sold, our property tax hasn't been included in our payment for escrow. We have paid the property tax since XXXX after we received a delinquency notice from our county. Since XX/XX/XXXX I have tried to get Lakeview to adjust our escrow and payment account to include the property tax, which should be because it is an FHA loan. All they do is say that it will be done by a certain date and it never happens.

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 2025-04-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: WI

Complaint narrative:
Please see attachment. I was recently incarcerated and just obtained my free credit report and have noticed multiple inaccuracies and discrepancies. Accounts have been opned and closed with my name facetiously and fraudulently. Please conduct a thorough investigation as it unlawful per the FCRA ( 1681.1 and subsections ) to report consumer information without completely verifying the information is 100 % accurate. I am certain a true investigation will yield the opposite. Please respond swiftly, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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