vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX 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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 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 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 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 2025-06-16 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
I previously complained on the CFPB and never received the notice that they sent supporting documents. I just looked and seen that the documents they sent were not accurate. This is identity fraud. Nothing on those documents are correct except for my personal information. The phone number is wrong. The address is wrong. The email address. And that is not my signature. 

I am writing to formally file a complaint regarding a fraudulent debt reported by XXXX XXXX XXXX on my credit report. The account details are as follows : Creditor : XXXX XXXX XXXX Account Type : Credit Card Account Opened : XX/XX/year> Account Closed : XX/XX/year> Credit Limit : {$750.00} Highest Balance : {$910.00} Current Status : Collection/Charge-Off ( Derogatory ) This account was fraudulent and was not opened by me. After discovering this issue, I reported the fraudulent activity to the three major credit reporting bureaus ( XXXX XXXX XXXX XXXX ). Upon investigation, all three credit bureaus confirmed that the account was fraudulent and ruled in my favor. Despite this, the debt remains listed on my credit report as a charge-off, negatively impacting my credit profile. Furthermore, XXXX XXXX XXXX attempted to collect this fraudulent debt, causing unnecessary stress and hardship. Their failure to acknowledge the findings of the credit bureaus and remove this invalid debt from my report constitutes unfair and improper practices. My request : 1. Immediate removal of this account from my credit report across all three bureaus. 2. Confirmation from XXXX XXXX XXXX and the credit bureaus that the charge-off status has been deleted. 3. Assurance that no further collection attempts will be made regarding this fraudulent account. Attached to this complaint are copies of my prior disputes with the credit bureaus and any relevant correspondence to substantiate my claim. The originally took this debt off my credit and it remained off for a few months and then just recently they added it back to my credit as a charge off without any debt owed. Ive already complained about this company multiple times and they keep on trying illegal tactics and violating my rights This situation has caused significant harm to my credit and personal well-being. I ask for the CFPBs assistance in ensuring this matter is resolved promptly and fairly. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Let me be absolutely clear this is not a misunderstanding or a minor error. This is incorrect reporting that affects my creditworthiness and violates the standards set by the Fair Credit Reporting Act ( FCRA ), particularly the requirement that all information must be accurate and verifiable.

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: HARBORONE MORTGAGE, LLC
State: CT

Complaint narrative:
I contacted Harbor One, the Servicor of my mortgage in the beginning of XX/XX/year> letting them know that my income would be going down as I am 100 % commission paid and I would not be getting a pay check for the following month as I had no loans closing. They told me that I needed to complete an application. I completed their application and provided all the items they asked for - with XXXX subsequent submissions of additional items they kept adding on. 
I have called 3 times to find out on the status of my application since all the items were submitted and their application was considered complete- they kept telling me it would take them 30 days to review. Today, I called again and was told the application was denied because I was not late on my payment. 
I indicated I had to borrow money from my sister to make the payment as I did not want to be late so it did not ruin my credit and I'm not supposed to be late based on the mortgage agreement I have with them. That is why I proactively reached out to get financial assistance from them. 
They have my most recent pay stubs to show the total earnings I have received this year. They also know that I am a loan originator and they are fully aware of how the mortgage industry has been adversely impacted by the higher rates increased by the Fed as well as a lack of housing inventory. Since I am 100 % commission, I am 100 % dependent on the market conditions. 
I was told I can resubmit my application but I would need to be late on the mortgage payment for them to consider it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am requesting the immediate deletion of all employers and phone numbers listed on my credit report. You do not have my permission to retain or report any unverified, outdated, or inaccurate information. Do not use any obsolete or incorrect data connected to my file. 

This update must be completed within 30 days of receiving this letter, in accordance with the Fair Credit Reporting Act ( FCRA ). I expect written confirmation once these corrections are made, along with an updated copy of my credit report. 

The following account is being formally challenged : XXXX XXXX XXXX XXXX XXXX  This account has already been deleted by other credit bureaus due to inaccuracy and unverifiability. Yet, you continue reporting false delinquency, despite it being paid as agreed. This is a direct violation of : 15 U.S. Code 1681s-2 Furnishing inaccurate information 15 U.S. Code 1666b Billing errors You are knowingly reporting false data, which violates federal law. Either update this account to reflect Paid as Agreed or DELETE it immediately. This is my final demand before seeking legal remedies. 

I also formally request that you verify all disputed information directly with the original creditor and send me copies of any documentation bearing my signature. If no such records exist, you are required to DELETE the associated inquiries, accounts, and data tied to my Social Security number. 

Send your written response and updated report to : XXXX XXXX XXXX, XXXX, California, XXXX  Lastly, I am aware of the illegal practice of issuing form-letter responses to consumer disputes. This may violate 15 U.S. Code 1681i, which requires individual handling of every dispute based on its own merit. My letters were generated using public tools and contain legally valid content. If you refuse to properly investigate or respond, I will consider it a willful violation of my consumer rights and will consult legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-16 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-06-16 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: GA

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 2025-06-16 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: WI

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX  and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-06-16 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: FL

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX XXXX for XXXX XXXX. The lease ended on XX/XX/XXXX. I returned the vehicle to XXXX XXXX ( and have a copy of the paperwork ) with XXXX XXXX on XX/XX/XXXX. All payments were made ( on time ) and XXXX said that I was good to go and that I didn't owe anything else on the vehicle. Then on XX/XX/XXXX, I received a letter from XXXX XXXX that my lease had expired that I was overdue and to turn the car in immediately. I call the number provided on the " Request to Return Leased Vehicle '' right away and they said that I had to call the dealership myself because the car had not be turned in. I emailed XXXX XXXX XXXX XX/XX/XXXX to call me immediately and explained the issue. After not getting a response, I called XXXX on XX/XX/XXXX and left a voicemail to return my call. I called the finance department on XX/XX/XXXX and they said the car showed that it was turned in the day before. However, in XXXX, I received a statement from the finance depart that I owed {$420.00} and when I called to explain that the car wasn't turned it late, they basically told me this is what I owed. Then, on XXXX XXXX, XXXX, I received a letter that they were willing to settle for a settlement offer of {$340.00} instead of the original amount. I called again and was told that if they didn't receive the payment within XXXX  XXXX, it would affect my credit. I mailed a check that day. However, I got a call a week later that said, I didn't pay the {$420.00} and that they were taking me to collections. I explained that I sent a check on XX/XX/XXXX. I was told that I had to email the manager a copy of the last " settlement off '' statement and proof of my check from the back so I did what was requested that same day. However, I never heard back from the manager so I assumed it was resolved.

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 2025-06-16 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: IL

Complaint narrative:
Complaint Title : Inaccurate and Incomplete Reporting Violation of FCRA, XXXX, XXXX, and ECOA Complaint Description : I am submitting this complaint regarding a closed XXXX XXXX  account with XXXX XXXX XXXXXXXX ( Account ending in XXXX ), which was paid in full under a XXXX XXXX XXXX agreement. Despite this, Equifax XXXX XXXX  continue to report derogatory late payments ( XXXX, XXXX, XXXX days ) on a {$0.00} balance account that was resolved in good faith. In addition, XXXX is not reporting the account at all, resulting in inconsistent and misleading data across the credit bureaus. 

This reporting is not only inaccurate and incomplete, but also a violation of my rights as a consumer. 

Violations of Federal Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) : The credit bureaus are required to report with maximum possible accuracy. Continuing to report negative data after a deletion agreement and payment violates this principle. 

Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX : The failure to uphold agreed terms after payment misleads creditors and violates transparency in lending and reporting. 

XXXX XXXX ( XXXX ), XXXX XXXX. XXXX : Mishandling the integrity of my financial data after a resolution compromises privacy obligations under this law. 

Equal Credit Opportunity Act ( XXXX ), XXXX XXXX. XXXX : This inaccurate and inconsistent reporting XXXX result in unequal access to future credit and financial opportunities.

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 2025-06-16 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: NY

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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 non-monetary relief