vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CBC Companies, Inc.
State: NV

Complaint narrative:
FORMAL COMPLAINT, NOTICE OF FCRA VIOLATIONS, AND DEMAND TO PURGE FILES To : Innovis XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Date : ( Insert date ) RE : FORMAL COMPLAINT UNAUTHORIZED FILE CREATION, DATA RETENTION, FCRA VIOLATIONS, AND DEMAND FOR COMPLETE FILE PURGE & CEASE-AND-DESIST To Whom It May Concern : This letter serves as a formal complaint, demand for investigation, and Cease-and-Desist Notice regarding your organizations unlawful retention, processing, and distribution of my personal information. I have never authorized Innovis to maintain, aggregate, purchase, sell, or disclose any of my consumer data. Any file you have compiled on me is unauthorized and in violation of federal consumer protection law.

I. INNOVIS HAS CREATED OR MAINTAINED A FILE WITHOUT PERMISSIBLE PURPOSE Under FCRA 604 ( a ), a consumer reporting agency may not gather or maintain consumer information without a permissible purpose.

Innovis has : Created a file without my consent Obtained information from sources I never authorized Retained data for which no permissible purpose exists Processed or stored information unrelated to any application, transaction, or account This constitutes an unauthorized file under federal law. 

II. INNOVIS IS NOT PERMITTED TO RETAIN, SELL, OR DISTRIBUTE MY INFORMATION Under FCRA 602A and 610, a CRA must maintain only accurate, authorized, and legally obtained information. Innovis is not a primary bureau tied to any credit application I have made. 

Thus you have no legal basis for maintaining : Files Inquiries Header data Employment information Address history Utility data Telecom/insurance data Any information obtained from XXXX, XXXX, or third-party data brokers This is a violation because it exceeds the scope of permissible purpose. 

III. INNOVIS MAY BE IN VIOLATION OF THE GLBA ( GRAMM-LEACH-BLILEY ACT ) Under GLBA 6801-6809, financial institutionsincluding CRAsmust protect nonpublic personal information and may NOT : Sell Share Transfer Or trade consumer personal information without explicit consumer consent.

This constitutes a federal violation.

VI. IF YOU DO NOT COMPLY Failure to fully comply within 30 days will result in : A CFPB complaint naming Innovis for FCRA, GLBA, and privacy violations A Federal Trade Commission ( FTC ) complaint for unlawful data retention A complaint with the Nevada Attorney General for privacy violations Consideration of legal action for : Willful noncompliance ( 616 ) Negligent noncompliance ( 617 ) Actual and punitive damages You are now on formal notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Subject : Ongoing Failure to Resolve Account Fraud and Credit Reporting Issues I am writing to express my profound frustration with XXXX  continued failure to resolve a serious issue involving my account and credit report. After hundreds of calls and repeated conversations with representativesmany of whom were unable to fully understand the issue, and others who simply did not follow through on their promisesI still have no resolution. 
To summarize : In XX/XX/year>, attempted fraudulent charges for a XXXX and a gift card were made on my account. Although XXXX blocked the charges, I was never notified of the attempted fraud. 
In XX/XX/year>, I received an alert from XXXX XXXX notifying me that XXXX  had reported a late payment on my accountsomething I have never had in the 18 years I have held a XXXX  credit card. 
When I contacted XXXX, I was assured multiple timesmore than ten separate occasionsthat : The fraudulent charges would be removed ; My account would be restored to good standing ; My credit limit would be reinstated to the amount it was prior to the fraud ; My credit report would be corrected to show the account as current. 
Despite these promises, none of this has been done. Two months have passed, and the incorrect late payment remains on my credit report. My credit limit is still reduced, and the issue continues to affect my credit standing. Today alone, I have spent over two hours on the phone and have been repeatedly disconnected without any progress. 
After 18 years as a loyal customer who has never made a late payment and has consistently paid balances in full, this treatment is unacceptable. The lack of follow-through, accountability, and basic customer service is deeply disappointing.

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 2025-12-01 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: NC

Complaint narrative:
My prior CFPB complaint was closed before the issues were resolved. XXXX  response did not answer my dispute, and the credit reporting is still inaccurate. I only had two loans, but three XXXX accounts are reporting. The bureaus are showing the loans as current with recent late payments even though these loans were charged off years ago and no activity has occurred since XXXX XXXX closed in XXXX. 

I also requested proof of ownership, chain of title, transfer/sale records, charge-off info, and an explanation for the duplicate tradelines and current reporting. XXXX did not provide this. They only sent old promissory notes that do not validate the current reporting. 

Because the inaccurate reporting continues and the investigation did not resolve the issue, I am requesting that the original complaint be reopened for full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXail : XXXX Phone : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint for Continued Verification of Disputed Accounts in Violation of Federal Law To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts on my credit reports that continue to be verified despite my lawful disputes and the furnishers failure to provide the required validation and documentation. These actions violate my rights under several federal laws, including : 15 U.S.C. 1692 ( g ) ( FDCPA Validation of Debts ) Regulation F ( 12 CFR Part 1006 ) 15 U.S.C. 1681 ( c-2 ) ( FCRA Block of Information Resulting from Identity Theft ) TILA 15 U.S.C. 1641 ( f ) ( 2 ) I have repeatedly requested proper validation of the accounts, including : - Late payments - Charge-offs - Collections - Inaccurate addresses - Inaccurate employers - Old and incorrect phone numbers- Improper inquiries Despite these disputes, the furnishers continue to report and " verify '' the information without supplying documentation proving they have conducted a reasonable investigation as required under the FCRA and FDCPA.

I request that the CFPB : 1. Conduct a full investigation into the reporting and verification practices of the furnishers and bureaus.

2. Require the furnishers to provide actual documented proof supporting their verifications.

3. Require the removal of all unvalidated, inaccurate, or unverifiable information from my credit reports.

4. Ensure compliance with all applicable federal consumer protection laws. 
Please confirm receipt of this complaint and notify me of all actions taken. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following items on my TransUnion credit report because they may contain inaccuracies or unverifiable information. I request that TransUnion investigate these accounts and correct any discrepancies as required by the FCRA. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, XXXX Please verify the details of these charged-off accounts, including balances, dates, and reporting accuracy. 

INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Experian & XXXX did not take sufficient steps to investigate my dispute within XXXX - 45 days. I have been trying to qualify for a mortgage and Experian deliberate no contact response have delayed the approval process for my pre-approval letter 1. Experian received my certified letter but failed to properly address my disputes 2. Experian improperly inserting a bankruptcy docket number improperly that does not belong to me, according to the Trustee records in XXXX XXXX, XXXX A bankruptcy docket number is a unique code that identifies a specific case, and every part of it is vital for locating the correct record. Searching for a case with the wrong number, a missing character, or an incorrect hyphen can prevent you from finding the correct court file. 

The sequential case identifier : This is the unique series of numbers assigned to the case in the order it was file XXXX : These are used to separate the different components of the case number, and they are critical for proper searching.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Experian & XXXX did not take sufficient steps to investigate my dispute within XXXX - 45 days. I have been trying to qualify for a mortgage and Experian deliberate no contact response have delayed the approval process for my pre-approval letter 1. Experian received my certified letter but failed to properly address my disputes 2. Experian improperly inserting a bankruptcy docket number improperly that does not belong to me, according to the Trustee records in XXXX XXXX, XXXX A bankruptcy docket number is a unique code that identifies a specific case, and every part of it is vital for locating the correct record. Searching for a case with the wrong number, a missing character, or an incorrect hyphen can prevent you from finding the correct court file. 

The sequential case identifier : This is the unique series of numbers assigned to the case in the order it was file XXXX : These are used to separate the different components of the case number, and they are critical for proper searching.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am filing this complaint because my credit reports contain several charged-off accounts, inquiries, and late payment entries that I believe are inaccurate, incomplete, or not properly verified. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of any item that can not be verified with proper documentation. 
Charged-Off Accounts in Dispute I dispute the accuracy and reporting of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1400.00} I request verification or deletion if the account can not be validated. 

Inquiries in Dispute No inquiries listed for Equifax. 
I request confirmation that no unauthorized inquiries exist. 

Late Payments in Dispute I dispute the following late payment entries : 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  I request verification and removal of any inaccurate late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute for the following accounts on my credit report that are inaccurate or incomplete : Charged-Off Accounts XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$160.00} XXXX  XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$440.00} Inquiries XXXX XXXX Date : XXXX Late Payments XXXX XXXX XXXX Account Number : 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 2025-12-01 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: NJ

Complaint narrative:
Equifax has violated my consumer report by reporting unverified/inaccurate information that violates FCRA subsections 602a,609,611, and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a homeowner with a mortgage with Freedom Mortgage. After being unable to sell my home after 3 years on the market and a great record of paying on time, I requested a Deed-In-Lieu with the company and was told by representatives that I was a great candidate for their " Graceful Exit Options ''. After applying for a Deed-In-Lieu and being steadfast and extremely reciprocal in the application process, I received a letter stating that I was denied the Deed-In-Lieu I requested. Upon receiving the letter stating I was denied, I immediately called the company to request further information as to the reason why. No reason was given in the letter received. So I requested an explanation in writing, more details, and what options I had. I sat on hold for XXXX hours and XXXX minutes without getting the requested information before the representative hung up on me and did not call back. Extremely frustrating! I am calling back to be met with the same process all over again. This company purposely takes advantage of its borrowers and does not offer any explanation or assistance. Leaving a complaint with their XXXX  department also.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Title company sent a check made out to Wells Fargo, to pay off my Wells Fargo credit card. My name and Wells Fargo credit card number was written on the check. Wells Fargo cashed the check on XX/XX/year>. The check is for {$17000.00}. The funds were not applied to my credit card. Wells Fargo will not look into where the funds are. The check was drawn from a Wells Fargo account : XXXX XXXX, XXXX, account ending in XXXX, check number 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 monetary relief
Consumer complaint received 2025-12-01 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 submitting this complaint because I am a documented victim of identity theft, and several fraudulent accounts continue to be reported on my credit file despite multiple disputes, an FTC Identity Theft Report, and supporting documentation. The following accounts were opened without my authorization and must be removed under FCRA 605B and properly investigated under FCRA 611 : Fraudulent Accounts : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the credit bureaus with my FTC Identity Theft Report, government ID, proof of address, and identity-theft documentation. Despite this, they failed to remove the fraudulent accounts, failed to block the information under FCRA 605B, and did not provide a proper Method of Verification as required under FCRA 611 ( a ) ( 7 ). Instead, they continue to report and re-report inaccurate information that does not belong to me. 

This identity theft has severely harmed my credit, caused score drops, denied credit opportunities, and created ongoing financial and emotional distress. Credit bureaus and furnishers have not followed their legal obligations to block fraudulent information, investigate properly, or cease reinsertion of disputed items. 

I am requesting that the CFPB intervene to ensure the bureaus and furnishers remove these fraudulent accounts immediately, block them from any future reinsertion, and provide the full Method of Verification they claim to rely on. I also request investigation into the furnishers and bureaus failure to comply with FCRA 605B and 611.

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 2025-12-01 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation