vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
Please remove information that was placed on my credit report about a late payment when the account is paid off and I've never had a late payment. The account is closed and I want you to remove that information because it's affecting my credit score Request for Debt Validation Under 15 USC Greetings, By means of this letter, I am requesting validation of the debt that appears on my credit report in your name. Under the Federal Credit Union ( FDCPA ) ( 15 USC 1681c a ), you are required to provide me with proof that this debt is valid and that you have the right to it. If you can not validate this debt within 30 days, I request that it be removed from my credit report immediately. 
I look forward to your written response with all necessary documentation. Sincerely, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: HI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez mortgage servicing took over my mortgage XX/XX/XXXX. The terms of my mortgage do not include escrow for taxes and insurance. 

I made a payment for home insurance to XXXX XXXX XX/XX/XXXX. It is current. 

NewRez made an additional payment to XXXX XXXX XX/XX/XXXX. This is not in the terms of my mortgage. 

They currently report that I have an escrow account with a - {$1000.00} balance due to this payment. 

I have contacted NewRez to rectify this issue. I sent an electronic message through their portal XX/XX/XXXX and have not received a response. 

I called them today XX/XX/XXXX and was asked to upload documents proving I had paid taxes ( which they have never been responsible for ) and insurance ( which they have never been responsible for, and erroneously submitted a payment ). I have yet to receive any written communication from them via email to submit this documentation. They stated I would receive an email. 

They have issued me a statement claiming that my mortgage payment will increase to cover this escrow shortage. This is an accounting error on their part, and is not an escrow shortage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 


Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ),
and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate.

I will not allow your agencys inaction and disregard for federal mandates to continue harming my creditworthiness or personal integrity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
The removal of these unauthorized fraudulent inquires from my credit report. Down below I have listed the inquires that have been inaccurately reported on my credit report. 

XXXX : XXXX XX/XX/year> XXXX : XXXX XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX  XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX  XXXX, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXX Auto Loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XXXX a balance of $ XXXX XXXX Auto Loan ( Account # XXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/year> with a balance of $ XXXX Auto Loan ( Account # XXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/year> with a balance of {$280.00}. 
These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of human XXXX. Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-23 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: IL

Complaint narrative:
Beginning on XX/XX/XXXX a " XXXX XXXX XXXX '' account was opened with a balance of {$4800.00}. Also, On XX/XX/XXXX a " XXXX XXXX XXXX '' account was opened with a balance of {$2300.00}. On XX/XX/XXXX a " XXXX XXXX '' account was opened reporting a a balance of {$5000.00}.

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 2025-04-23 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXX  BALANCED {$5400.00} XXXX XXXX BALANCED {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$210.00} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-23 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: PA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am disputing inaccurate late payments reported on XXXX of my DEPTEDNELNET accounts across Equifax, Experian, and TransUnion. They have different names. On Transunion it's DEPTEDXXXX. On Experian it's DEPT OF EDUCATIONXXXX. On Equifax it's DEPT OF ED. Each account shows XXXX late payments that I believe are inaccurate or misreported. I submitted disputes to the credit bureaus, and the data furnisher verified the information without what I believe was a reasonable investigation, potentially violating FCRA Section 611 and 623. 

In some cases, the accounts report inconsistently between bureaus, which indicates the data is not being furnished properly. Additionally, some of these late payments may have occurred during a period of forbearance or deferment, making their reporting legally questionable. 

I suspect that the data furnisher responded to my disputes using the XXXX XXXX XXXX  ( meets FCRA requirements ) without a proper reinvestigation. This blanket verification approach is insufficient under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau review this issue and assist in getting these late payments removed or corrected, and ensure the furnishers and credit bureaus are held accountable for accurate reporting and lawful dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus ( Experian, Equifax, and TransUnion ) added accounts to my credit report without my authorization, violating my privacy rights under multiple federal laws. This includes the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( no permissible purpose ), 1681e ( b ) ( failure to ensure maximum possible accuracy ), and 1681c ( reporting of obsolete information ) ; the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA to require better fraud protections ; and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809, which requires protection of nonpublic personal information. I did not give permission for these accounts to be published or shared, and I request their immediate removal and a full investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: CT

Complaint narrative:
I made XXXX XXXX deposits over {$1000.00} within 90 days in order to receive a promised {$250.00} cash bonus but XXXX refused to honor the offer. A representative indicated this was because only XXXX deposits were made and not more so it was not " recurring. '' The problem with this logic is that a ) the word " recurring '' is not defined in the offer 's terms ; b ) the offer only requires XXXX deposits to be made ; and c ) the word recurring has multiple definitions which include " again '' and " more than once. '' Therefore, my XXXX deposits complied with the terms of the offer and XXXX has committed a XXXX under both federal and XXXX law. The XXXX  violation also entitles me to attorney 's fees and punitive damages. See XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX of XXXX  I deposited XXXX checks XXXX from my local XXXX  XXXX  and the XXXX  one from XXXX XXXX  which is the place where I lived ( XXXX XXXX ) is the new name. Within XXXX XXXX  the funds became available to me. I moved half the money to my savings acct and then my accounts were locked and closed. I called numerous of times also have the XXXX  XXXX and the corporate office to reach out. Citi bank still claimed they could not verify the check. They stated after XXXX  XXXX  the accounts would close and the funds that were in the account would be sent in a final check. The XXXX  XXXX XXXX  sent me pictures of the check cleared in that account. I called more times to Citi bank to ask questions as to why the funds were not sent back to the issuer if the check could not be verified. They said it takes about XXXX XXXX. It has been just about XXXX XXXXs and Im still being told that they have no information to provide to me! All I want is the money that is owed to me. The check has cleared and I have proof, I rather have this dispute resolved before I take legal actions and it cost the bank more money than what I had in my account.

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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
This account should report paid in full. Not just closed. It's hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: COLUMBIA BANKING SYSTEM, INC.
State: TX

Complaint narrative:
I did not give authorization to run my credit 6 inquiries.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE FRAUD NAMES AND ADDRESSE ON MY CONSUMER REPORTS I HAVE UPLOADED THE FRAUDULENT INFORMATION AND PROOF OF MY CORRECT INFORAMTION

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX  that appears on my credit file. I have obtained an official letter from the court that clearly confirms this XXXX  should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue.

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 2025-04-23 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
PENTAGON FEDERAL CR UN XXXX Balance {$0.00}

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 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I just noticed a debt listed on my XXXX XXXX XXXX  credit reports as of XX/XX/XXXX. The debt collection account in question was opened in XX/XX/XXXX, with a balance of {$87.00}, and is being collected by COLUMBIA DEBT RECOVERY LLC for a Rental/Lease agreement under the name " XXXX. '' I never know " XXXX '', and have never been involved in any rental or lease agreements with an entity by that name, and have received no prior communicationcalls, emails, or lettersregarding this account. Furthermore, my attempts to reach COLUMBIA DEBT RECOVERY LLC for clarification have gone unanswered.

Company response to consumer: Closed with explanation