vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate information being reported on my consumer credit file. I am requesting a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), 609, and 611, as the information listed below is being reported falsely and is damaging my credit profile.

Wrong Address Reporting The following address appearing on my credit report is inaccurate and does not belong to me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS I have no affiliation, residency, or connection with this address at any time. Reporting an incorrect address compromises the accuracy of my consumer file and violates FCRA regulation requiring complete and verifiable information. I request immediate removal of this address from all reporting agencies. 

XXXX  XXXX Account Charge-Off Reporting XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Reported : {$500.00} Status : Charge-Off I am disputing the accuracy, ownership, and validity of this account. I do not have knowledge of this debt, and there has been no verifiable proof or signed documentation provided to confirm that this account belongs to me. Reporting an unverified charge-off is a direct violation of FCRA 609 ( a ) ( 1 ) ( A ) and 611, requiring furnishers to maintain and provide proof of ownership upon request. 

I am demanding XXXX XXXX provide : Signed contract or original application with my signature Complete payment history and accounting breakdown Verification of debt ownership and reporting authorization If this can not be verified with documented evidence, the account must be deleted from my credit report immediately. 

Requested Resolution I am demanding the following corrective actions : Remove the wrong address listed above Provide full validation documentation for the XXXX  XXXX account If no proof exists, delete the XXXX  XXXX charge-off from my report Provide written confirmation when corrections are completed I am requesting this complaint be reviewed urgently, and I expect compliance within all legal timeframes allowed under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to written confirmation of completed corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
Kindly review the documents ; the inquiries arrived unexpectedly and may be unapproved.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint as a victim of identity theft. Several credit accounts were opened fraudulently using my personal information without my knowledge, permission, or authorization. I did not request, open, or use any of these accounts. I have no relationship with the individuals responsible for this fraud, and I had no involvement in these transactions. 

I am attaching an official Identity Theft Report from the Federal Trade Commission ( FTC ) as well as documentation proving my continuous residency in XXXX, including my W-2 forms for XXXX. These documents show that I have never lived in XXXX, which is where these fraudulent accounts were opened. This further demonstrates that I am not connected in any way to these accounts. 


-- - Legal Basis and Required Actions FCRA 605B ( 15 U.S.C. 1681c-2 ) Under 605B, consumer reporting agencies are required to block information resulting from identity theft within four ( 4 ) business days after receiving : ( 1 ) an Identity Theft Report, and ( 2 ) proof of identity.

I am formally requesting the immediate blocking of all fraudulent accounts and tradelines listed in my FTC Identity Theft Report. 

FCRA 1681s-2 : Duties of Furnishers Furnishers who reported these fraudulent accounts must : Conduct an investigation upon notice of a dispute, and Permanently stop reporting information that they know or reasonably should know is the result of identity theft. 
I request that each furnisher involved investigate promptly and remove any information they can not fully verify as legitimate. 

FCRA 611 ( 15 U.S.C. 1681i ) : Reinvestigation Requirements Consumer reporting agencies must conduct a reasonable reinvestigation within 30 days. 
If they can not verify the accuracy of the disputed information, they must delete or permanently block it. 
I request full compliance with 611, including written confirmation of the reinvestigation results.

-- - Relief Requested 1. Immediate 605B blocking of all fraudulent accounts and tradelines identified in my FTC Identity Theft Report.

2. Investigation by each furnisher involved ; removal of all unverified or fraudulent information ; and notification to all consumer reporting agencies.

3. Written confirmation from both the CFPB and the companies involved regarding the results of their investigations and all corrective actions taken.

4. Assurance that no deleted or blocked information will be reinserted into my credit files unless all FCRA reinsertion procedures are followed.

-- - Supporting Documents Attached FTC Identity Theft Report W-2 forms ( XXXX, XXXX, XXXX, XXXX ) showing Georgia residency Copy of my government-issued ID Copy of FCRA 605B ( 15 U.S.C. 1681c-2 ) Thank you for your assistance.

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 2025-11-27 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: DHI Mortgage Company
State: NV

Complaint narrative:
Issue : Mortgage escrow disclosure failure / misrepresentation of property tax obligations Summary of Complaint : I closed on my mortgage loan with DHI Mortgage ( DR Horton affiliate ) on XX/XX/XXXX. At closing, the Initial Escrow Account Disclosure Statement projected only {$1600.00} in annual disbursements, with monthly escrow contributions of {$130.00}. The disclosure listed two small property tax installments ( {$290.00} each ) and one combined property tax/insurance payment ( {$710.00} ). 

However, after transfer to XXXX XXXX, my XX/XX/XXXXXXXX   escrow analysis revealed actual annual disbursements of {$6100.00}, including : County property taxes of {$4800.00}, Special assessments of {$840.00}, and Homeowners insurance of {$420.00}. 

This resulted in an escrow shortage of {$2500.00} and a monthly payment increase from {$2400.00} to {$3000.00} effective XX/XX/XXXX. 

XXXX XXXX official property tax records ( XXXX ID XXXX ) confirm that my property was subject to supplemental new construction taxes totaling {$1800.00} and regular property taxes of {$600.00}, for a combined obligation of {$2400.00} in XXXX. These obligations were knowable at the time of closing but were not disclosed in the escrow statement. 

Basis of Complaint : RESPA violation : The Real Estate Settlement Procedures Act requires lenders to provide a good-faith estimate of escrow items. The omission of supplemental property taxes and special assessments constitutes a material failure to comply. 

Misrepresentation / nondisclosure : By projecting only {$1600.00} in disbursements, DHI Mortgage materially understated my tax obligations, inducing reliance on inaccurate payment expectations. 

Consumer protection concerns : Nevada law prohibits deceptive practices in real estate transactions. The failure to disclose known supplemental taxes and assessments deprived me of the ability to make an informed decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report with the following credit bureaus : TransUnion ( TU ). The details of the accounts I am disputing are listed below. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity. An account posted with XXXX XXXX XXXX I have no knowledge of or any contacts. This Fraudulent account is making difficulties to obtain credit.

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 2025-11-27 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: NC

Complaint narrative:
I am submitting this dispute because the information listed on my credit reports is inaccurate, incomplete, or being reported in a way that does not reflect my true consumer history. I am requesting a full investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Below are the items I am disputing, separated by each credit bureau. 

Charged Off Accounts Disputed These accounts are reporting inaccurately and require a full investigation : XXXX XXXX, XXXX, XX/XX/XXXX, {$7800.00} UNAUTHORIZED COLLECTION, XXXX, XX/XX/XXXX, {$240.00} ( This account appears without proper validation or authorization. ) Inquiries Disputed There are no inquiries listed on this report for removal, but I request verification of all hard inquiries on my file to ensure they are authorized. 

Late Payments Disputed The following late payments are being reported inaccurately or without proper verification. I am requesting a correction : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Positive Accounts I request that all positive and accurate accounts remain unchanged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
I am writing to dispute the following accounts on my credit report, as they contain inaccurate and incomplete information. I request that the credit reporting agencies investigate and resolve these discrepancies as outlined below. Please find my disputes separated by each bureau. 

Charged Off Accounts XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$870.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$290.00} XXXX, XXXX, XX/XX/XXXX, {$45.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$800.00} XXXX XXXX, XX/XX/XXXX, {$770.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$830.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$430.00} XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$5500.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX. I called capital one because a credit card was opened in my name and social security number. They refuse to allow access to the account to close it or file an identity theft report under the account. They are reporting this account to the credit bureau under my social security number and ruining my score. I have never been to the state in which the account was opened and I can prove that with time card records from work. I work 7 days a weeks in another state and have never been to the state where this card was opened and maxed out. I want this account closed and record removed from my credit report with the repair that is needed to fix my credit score immediately. Capitol one never even checked their own system to see if my social security number was in there system because I have had a card with them for over 7 years. Not once was I notified that my ss number was being used. This company is now siding with the person who committed this fraud and want this crime investigated as well. Refusing to let me access an account tied to my social security number is credit fraud in its self and I want charges filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 am writing to dispute certain entries on my Equifax credit report. The information appears to be inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that a data breach may have affected the accuracy of my personal data. Below is a list of the accounts I am disputing. 
Disputed Accounts on Equifax Report : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Collection - Installment Balance : {$5800.00} Account Status : Negative Violations : FCRA Violation : Incorrect reporting of payment history and delinquency status. 
Data Breach : Possible exposure of personal information, affecting account accuracy. 
XXXX. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX Account Type : Collection - Installment Balance : {$320.00} Account Status : Negative Violations : FCRA Violation : Incorrect payment status reporting. 
Data Breach : Confirm if personal information may have been exposed, affecting the accounts details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A loan appeared on my credit report that I did not apply for, authorize, receive, or recognize. I immediately filed an identity theft dispute and submitted a police report. On XX/XX/year>, I requested all documents required under FCRA 609 ( e ), including identity-verification records, the full signed application/contract, device and IP logs, bank account verification, payment authorization records, and the creditors fraud investigation file. None of these documents have been provided. Instead, I repeatedly received generic emails stating only that funds were received, without supplying any legally required evidence. 

Despite an active identity theft claim and a police report, the creditor continues to report late payments and derogatory information. XXXX reinvestigation notice also stated that identity-theft items were blocked, yet the account continues to appear and is still updating monthly. The furnisher did not provide the required documentation to verify the account, did not validate the alleged debt, and did not stop negative reporting as mandated under FCRA 605B and 609 ( e ). 

I am requesting full compliance with federal law : Immediate removal of the unauthorized account from all consumer reports ; Deletion of all late payments and derogatory reporting associated with this account ; A complete document package of ALL materials used to allegedly verify the account ; Cessation of all collection activity until legal validation is provided ; A full CFPB investigation into the furnishers failure to comply with FCRA requirements.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A loan appeared on my credit report that I did not apply for, authorize, receive, or recognize. I immediately filed an identity theft dispute and submitted a police report. On XX/XX/year>, I requested all documents required under FCRA 609 ( e ), including identity-verification records, the full signed application/contract, device and IP logs, bank account verification, payment authorization records, and the creditors fraud investigation file. None of these documents have been provided. Instead, I repeatedly received generic emails stating only that funds were received, without supplying any legally required evidence. 

Despite an active identity theft claim and a police report, the creditor continues to report late payments and derogatory information. XXXX reinvestigation notice also stated that identity-theft items were blocked, yet the account continues to appear and is still updating monthly. The furnisher did not provide the required documentation to verify the account, did not validate the alleged debt, and did not stop negative reporting as mandated under FCRA 605B and 609 ( e ). 

I am requesting full compliance with federal law : Immediate removal of the unauthorized account from all consumer reports ; Deletion of all late payments and derogatory reporting associated with this account ; A complete document package of ALL materials used to allegedly verify the account ; Cessation of all collection activity until legal validation is provided ; A full CFPB investigation into the furnishers failure to comply with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: VA

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 non-monetary relief