vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This correspondence serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my Equifax credit file, I discovered unauthorized hard inquiries that I neither approved nor initiated. The specific entries in question are : XXXX XX/XX/year> XXXX XX/XX/year> I have no prior business relationship with these entities, nor have I applied for credit or services that would warrant access to my credit information. These inquiries were made without permissible purpose as required under 15 U.S.C. 1681b, which limits access to a consumers report only to entities with lawful authorization.

Equifaxs duty under FCRA 611 ( 15 U.S.C. 1681i ) is to ensure maximum possible accuracy of information reported. The above inquiries are unverifiable and represent a violation of both my privacy rights and Metro 2 reporting standards. Their continued presence on my file results in unjustified harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint against National Credit Systems , Inc. ( NCS ) for violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

NCS is attempting to collect, and/or has reported to the credit bureaus, a debt that was previously charged off by the original creditor and subsequently sold. Under the FDCPA 809 ( a ) ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of the debt upon request, including a copy of the original signed agreement and proof that they have legal ownership or assignment of the account.

Despite my prior request for validation, NCS has failed to provide any signed contract or verifiable evidence linking me to the alleged obligation. Reporting or attempting to collect on a debt without adequate proof constitutes false representation and deceptive collection activity under FDCPA 807 ( 15 U.S.C. 1692e ), and furnishing inaccurate or unverifiable information to credit reporting agencies violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ).

Additionally, under UCC 3-401 ( a ), a person is not liable on an instrument unless their signature appears on it. Since NCS can not produce a signed agreement, they lack enforceable standing to claim this debt as valid.

I request that the CFPB investigate National Credit Systems , Inc. for these violations and ensure compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AZ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-11-05 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:
A dismissed bankruptcy continues to be reported on my credit file. I have provided a sworn identity theft affidavit, court dismissal order, and proof of address under FCRA 1681c-2. I request that this information be blocked or removed immediately.

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 2025-11-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-05 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: PA

Complaint narrative:
For the past few years, I have been trying to get XXXX XXXX to close a fraudulent account opened in my name by an unknown person who stole my identity, to remove that information from all credit reports, to stop attempting to make me pay debt from this fraudulent account, and finally the original application so I can provide it to the police. They will not help me over the phone because I will not give them my social security number due to the identity theft, and I do not have the credit card number because I never opened this account. When I tell them I have an account number pieced together from my credit reports, they say it has to be the credit card number, not the account number. I have sent several letters and my police report regarding this account/identity theft to them. I received back the certified receipts of these letters, but they have never actually responded to me. I will include these letters, my FTC Identity Theft report, and the police report as documents for this complaint. Instead, XXXX XXXX has sent debt collectors after me and somehow got this fraudulent account put back on my credit reports, which had been removed due to the identity theft/police report I provided to the credit bureaus.

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 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of the ComenityCB/Forever21 account from my credit report. The details of the account are as follows : Account Name : ComenityCB/Forever21 Account Number : [ XXXX ] Status : Paid in full and closed This account has been fully paid and closed, yet it continues to appear on my credit report. Since the account no longer has an outstanding balance and has been settled in good standing, I kindly request that Comenity Bank remove this account from all credit reporting agencies XXXX, XXXX, and XXXX  as a goodwill adjustment. 

I value my prior relationship with Comenity Bank and hope you will consider this request to help maintain a positive credit history. I would appreciate written confirmation once this request has been processed. 

Please let me know if you require any additional documentation to complete this review. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
This is a new filing with materially new evidence and is NOT a continuation of my prior CFPB complaints. 

On XX/XX/XXXX, after prior CFPB submissions concerning Possible Financial and Experian ( XXXX XXXX ), Experian completed a reinvestigation and lifted the consumer-dispute indicator for multiple Possible Financial tradelines and simultaneously deleted XXXX legitimate / positive tradelines. The Experian report now states : Account previously in dispute investigation complete, reported by data furnisher, while still publishing a charge-off and showing updated charge-off status dates. This action occurred while multiple CFPB complaints were open regarding the same accounts ( see attached Exhibit XXXX ), meaning the tradelines were legally required to remain in disputed or suspended status. 

XXXX removal of the dispute code and deletion of positive tradelines were not based on production of a valid XXXX of XXXX ( MOV ) or any documentation from XXXX  XXXX. Instead, Experian accepted XXXX  XXXX automated response and restored/maintained derogatory information without providing the required consumer notice, without independent review of my evidence, and while CFPB oversight was active. XXXX XXXX previously failed to validate my XX/XX/XXXX certified dispute and then used an internal potential fraud designation in CFPB communications to avoid validation ( see prior filings ). 

Consequences : Experians post-investigation actions directly caused : ( XXXX ) a XX/XX/XXXX housing application denial ( XXXX at XXXX XXXX  ) documented in Exhibit F ; ( XXXX ) a verified net credit-score swing and ongoing damage ( see Exhibit XXXX ) ; ( XXXX ) increased out-of-pocket costs ( temporary lodging, application fees, therapy ) documented in Exhibits XXXX XXXX ; and ( XXXX ) ongoing inability to access VA/home lending and routine credit products XXXX 

Legal violations : XXXX  conduct violates FCRA XXXX ( a ) ( XXXX ) ( A ) ( re-insertion/notice ), XXXX ( a ) ( XXXX ) ( C ) ( reasonable reinvestigation ), XXXX ( a ) ( XXXX ) ( duty to note disputes ), XXXX ( b ) ( reasonable procedures to assure accuracy ), and constitutes an unfair and abusive practice under the XXXX. XXXX  XXXX misclassification ( potential fraud ) and failure to validate constitute violations of XXXX ( b ) and XXXX ( a ). 

Relief sought : immediate steps listed below. This is a new complaint supported by new evidence ( XX/XX/XXXX Experian reinvestigation record ) showing post-CFPB misconduct ; it is not merely an update to prior complaints.

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 2025-11-05 00:00:00
Product: Mortgage — FHA 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
This message serves as a formal rebuttal to LoanDepots CFPB response and a continuation of my Notice of Error under 12 CFR 1024.35. Your claim that default letters must be mailed is incorrect and conflicts with FHA and CFPB servicing rules. I am in an active, approved FHA forbearance and have also submitted a timely request for an extension, which remains pending. Issuing a Notice of Default and Intent to Accelerate during an active or extended forbearance directly violates 12 CFR 1024.41 ( f ) and 24 CFR 203.606. I am requesting immediate rescission of the default notice, written confirmation of my forbearance extension to the maximum period allowed, correction of any credit reporting errors, and confirmation that I will be provided an FHA Partial Claim option at XXXX  % interest upon completion. Please see attached full letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I respectfully request to have this collection account removed from my credit report, which is the result of identity theft. I did not open or authorize this account, and I am not responsible for any debts associated with it. 

I dispute this debt with Jefferson Capital LLC / Account XXXX/ {$230.00}/ opened on XX/XX/XXXX. I am not liable for it, as there is no signed contract between myself and Jefferson Capital LLC or XXXX XXXX, they have not provided the original agreement as requested. 

I requested removal of debt and it was not removed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone used my personal information without my permission to open or use credit accounts in my name. These accounts are not mine, and I did not authorize them. 

I have already filed an identity theft report with the FTC XXXX Federal Trade Commission ) and a police report. I have also contacted the affected creditors and requested removal of fraudulent accounts and inquiries. 

I am requesting that the CFPB help ensure the credit bureaus ( XXXX XXXX  and XXXX ) correct my credit report by removing all fraudulent accounts, inquiries, and negative information related to this identity theft. 

Please assist in having my credit reports updated and verified, and ensure that lenders and credit bureaus comply with the Fair Credit Reporting Act regarding identity theft victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I was recently denied from XXXX apartment complexes because of this reporting being defamation of my character, as per 15 U.S.C. 1681g.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding two unauthorized hard credit inquiries that appear on my credit report. These inquiries were made by XXXX  XXXX XXXX and XXXX, and I do not recognize them, nor did I give authorization or consent for either company to access my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company must have a permissible purpose and my explicit authorization before obtaining my consumer report. To the best of my knowledge, I have no existing or prior credit relationship, application, or business dealings with either XXXX  XXXX XXXX and XXXX that would justify such an inquiry. 

These inquiries appear to have been made without a permissible purpose and therefore constitute unauthorized access to my credit information. I am requesting that the Consumer Financial Protection Bureau assist in investigating these inquiries to determine the basis for their access and to ensure that they are removed from my credit report if found to be improper. 

I have already contacted the credit bureau and initiated a dispute under FCRA 611 ( a ), requesting verification of these inquiries. I am also providing this statement for CFPB review to document that these inquiries were not initiated, approved, or authorized by me in any form.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
in accordance with the fair debt reporting act. 
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account with out my written instruction.

15 U.S.C 1681c ( a ) 5 section states no consumer reporting agency can not make any report with the following information. Any Other adverse item of information. 
other records of convictions and crimes which antedates the report by 7 years. 
15 U.S.C 1681 S-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information may be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation