vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-19 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OH

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 - Date Opened XX/XX/XXXX - Balance {$4300.00} Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX -Balance {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
This is a follow-up dispute concerning the child support account XXXX XXXX being reported on my file. The account is inaccurate, unverifiable, and must be corrected or deleted under 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 non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is the XXXX time in XXXX months that my credit information has been leached to make fraudulent purchases from now bothy the Best Buy and Home Depot Citibank NA credit cards! 
The XXXX time was at best buy where {$13000.00} dollars was charged fraudulently -- it was a drag but they reported immediately to the credit bureaus that it was not my fault and reversed the charges. 

Now, XXXX months later -- i have XXXX more Citibank NA fraudulent charges this week! I have a {$4000.00} charge through Home Depot Citibank NA card and an $ XXXX instore purchase in Minnesota and I live in California XXXX Totally frustraing bc NO OTHER CARD OR COMPANY HAVE HAD THIS ISSUE WITH. 

Adding insult to injury, my credit bureaus just let me know that my credit score has gone down XXXX points bc of " overusage ''!!! I immediately reached out to Citibank NA for Home Dept and they agreed to immediately send a clarification to the XXXX credit bureaus. I then get transferred to the the Citibank NA Best Buy division and had to go through XXXX supervisors to be told they would NOT update the credit bureaus and that it would take XXXX days to clear this up!! XXXX XXXX XXXX? 

This is NOT my fault! If you go online there are a ton of complaints about internal security with Citibank NA so someone should really do an investigation bc they are the ONLY company in my XXXX years of using credit cards that this has happened with and now XXXX TIMES IN XXXX MONTHS!!!! 

XXXX CUSTOMER SERVICE especially from the UNEMPATHETIC AND UNHELPFUL senior customer service agent XXXX in SECURITY OPERATIONS from my XX/XX/25 call. 

PLEASE HELP

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 2025-08-19 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 formally notify you that I am a confirmed victim of the 2017 Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

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 2025-08-19 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 XXXX XXXX. XXXX ) 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 the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a documented victim of identity theft and have extended fraud alerts on file with both XXXX XXXX XXXX as of XXXX. Despite these alerts, multiple accounts have been fraudulently opened or modified without my authorization and continue to report negatively on my credit profile. 

Several accountsincluding but not limited to XXXX XXXX  ( original creditor XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and Citi XXXXare reporting as charge-offs or collections, with inflated balances and no substantiated proof of authorization. These entries do not belong to me and were either opened or tampered with during the timeframe of active fraud alerts. 

I have not received proper documentation, validation of debts, or copies of signed agreements from the furnishers. In many cases, adverse reporting was allowed to continue even after disputes and fraud reports were submitted. This appears to be a clear violation of my rights under FCRA 1681c-2, which mandates blocking of fraudulent accounts upon submission of an identity theft claim. 

I am requesting that the credit bureaus and data furnishers : Permanently remove and block the identified fraudulent accounts, Refrain from any future re-reporting of these tradelines without direct authorization and identity verification, Provide full records of investigations conducted regarding these disputes, Be held accountable for failure to comply with FCRA protections after receiving notice of identity theft. 

I have submitted formal disputes, and my fraud alerts remain active. Please investigate and enforce appropriate remedial 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
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
I am writing to dispute a reported late payment. According to my financial records, this payment was made on time. The late entry is inaccurate and is unfairly damaging my credit profile.

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 2025-08-19 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
About five years ago XXXX XXXX sold my mortgage to a company named NewRez/Shellpoint . During the pandemic I had some personal financial hardships and I called NewRez to see if they could change my due date to help. They advised that the company did not allow change of due date. They said there was a possible option and instructed me not to pay my mortgage for the month ; thereafter for two additional months. I told them that I was scared that this would effect my credit. They promised me that it would not effect my credit. They put me on a deferment option that put the three payments at the end of my mortgage. XXXX XXXX had previously, about a year before done the same for a one-year deferment that did not effect my credit whatsoever. Now I have been fighting for almost three years with NewRez to fix. The first year, they promised many times that it would be fixed with no luck. Their promise should be recorded, because every time I discussed they said we were on a recorded line. Please have NewRez fix the error, including the 90-day delinquency reports to XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — USDA 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: SERVICEMAC, LLC
State: NM

Complaint narrative:
Nature of the Complaint We are submitting this complaint against ServiceMac , LLC for failure to comply with federal servicing standards under RESPA and Regulation X during the handling of our approved loan modification and subsequent payments. Despite executing and returning a modification agreement and submitting payments under that agreement, ServiceMac has continued to misapply payments, failed to update our loan status, and has not communicated any final decisionplacing us at risk of wrongful foreclosure. 

Key Timeline of Events - XX/XX/XXXX : First month of missing payments with XXXX XXXX Contacted them to arrange a mortgage modification. 

- XX/XX/XXXX : Mortgage servicer changes from XXXX to ServiceMac LLC - XX/XX/XXXX : XXXX is printed about servicer change, delivered several days later. 

- XX/XX/XXXX : First trial modification payment of {$2100.00} - XX/XX/XXXX : Second trial modification payment of {$2100.00} - XX/XX/XXXX : Third trial modification payment of {$2100.00} - XX/XX/XXXX : Loan modification approved by ServiceMac. 

- XX/XX/XXXX : First modification packet received, notarized, and returned via prepaid envelope ( Order # : XXXX ). No letter of receipt ever received from ServiceMac, we made several phone inquiries as to the status and timing of the process, were told to wait 30 business days. 

- XX/XX/XXXX : First modified payment post approval made of {$1400.00} - XX/XX/XXXX : Second packet with same order number but altered pages sent. No communication via phone or writing received about needing to do a second packet, calling in to ServiceMac we were simply told to sign and return, which we did. 

- XX/XX/XXXX : Payment of {$1400.00} made. 

- XX/XX/XXXX : Payment of {$1400.00} made on hesitation and only with a promised written response specifically to give finalized documentations from a phone representative at ServiceMac, having claimed to escalate to a manager, this written response was never received. 

- XX/XX/XXXX : Deadline under RESPA ( 30 business days from XX/XX/XXXX ) for written response to our submission. No written response received. 

- Late XXXX : Insurance company contacted us due to unpaid escrow disbursement. ServiceMac admitted they had no record of our insurance provider. 

- XX/XX/XXXX : Still receiving mortgage statements falsely claiming we are $ XXXX delinquent. No written or verbal resolution. XXXX payment not made. 

- Ongoing : No Single Point of Contact ( SPOC ) assigned. Customer service representatives rotate and provide inconsistent answers often saying no records exist of us calling in previously.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am disputing the late payment currently shown on my account. All payments have been made on time, and the reported late entry is inaccurate. This error is misrepresenting my payment reliability.

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 2025-08-19 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 state that the false late payment notations on my accounts are a breach of 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both 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