vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
In early XXXX XXXX XXXX XXXXXX/XX/XXXX ), I received a {$25000.00} insurance check made payable to both myself and Freedom Mortgage following water damage to my basement. This check required endorsement by Freedom Mortgage and was to be forwarded to me at my updated address, which I had provided to them on XXXX separate occasions : XXXX recorded phone calls confirming my new address. 
XXXX written communication where I crossed out the old address and clearly marked the new one. 

Despite these repeated efforts to correct my mailing address, Freedom Mortgage sent the endorsed check to the wrong address, an address that has never been associated with me. This mishandling will cause delays of over 4 months, and the check is now considered lost or unaccounted for. Ive been informed a new check may take an additional XXXX weeks to reissue, which has significantly impacted my ability to complete urgent repairs. I am now being forced to pay out-of-pocket or carry additional personal debt to cover costs already approved by my insurance provider. 

Freedom Mortgages negligence in failing to update my address despite multiple confirmations has delayed critical funds, disrupted my repair timeline, and caused avoidable financial stress. Given the clear pattern of communication on my part, this is an unacceptable failure in servicing responsibilities as well as protection of consumer data. 

I am requesting that : Freedom Mortgage issue an affidavit to remove themselves from the next check in order to expedite timelines for receiving these funds. 
Provide written confirmation and tracking  of the corrected delivery ; Compensate me for any financial damages incurred as a result of this delay. 
I can provide call logs, emails, and insurance documentation to verify 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 explanation
Consumer complaint received 2025-06-12 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:
I was looking at my credit report and seen fraudulent activity

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 2025-06-11 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: PA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MI

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 2025-06-12 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: MI

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 non-monetary relief
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I disputed this account with XXXX on or before XX/XX/year>, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., another collector is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : NATIONAL CREDIT ADJUSTERS XXXX XXXX {$310.00} ). Reported by : National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
I HAVE VIEW MY XXXX REPORT SEACOAST NATION BANK IS REPORTING ON MY CREDIT REPORT I HAVE CONTACT THEM OVER AND WHICH I HAVE BEEN SPEAKING WITH THE SAME PERSON FOR LIKE A YEAR NOW XXXX XXXX AND SHE REPEATED TOLD ME SHE WOULD REMOVE THE ACCOUNT SEACOAST NATION BANK ACCOUNT DUE TO FRAUD BUT NOW IT XXXX  IS STILL REPORTING ON MY CREDIT REPORT ITS ONLY REPORTING ON XXXX CREDIT AND I HAVE DISPUTED WITH XXXX  OVER AND OVER FOR THE PASS XXXX MONTHS AND THEY KEEP ON POSTING IT RIGHT BACK ON MY CREDIT REPORT, DUE TO FRAUD PLEASE REMOVE THE ACCOUNT OF MY CREDIT REPORT AS SOON AS POSIBLE. AND UPDATE MY CREDIT REPORT PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove the XXXX accounts we spoke about immediately I'm sending it necessary documentation Refer to the FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Santander Bank reports late payments to credit bureaus for periods when payments were received and processed, violating 12 CFR 1026.10 Regulation Z requirements. XX/XX/year> : {$1000.00} payment processed yet reported as XXXX days late. ' XX/XX/year> : {$540.00} payment processed yet reported as 'past due. ' Bank 's own payment records contradict their credit reporting, constituting willful FCRA violations under 15 U.S.C. 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX attempts to collect federally regulated utility debt without proper authority under 16 U.S.C. 824 ( XXXX XXXX XXXX ). XXXX XXXX XXXX is XXXX-regulated utility requiring federal compliance for third-party collection. XXXX XXXX lacks regulatory authorization to collect utility service debts and violates 15 U.S.C. 1692f through unauthorized collection of essential utility obligations without federal regulatory compliance or proper utility service consumption validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing several fraudulent accounts with XXXX  Equifax and nothing is being done. As a consumer I have the right to dispute accounts with inaccurate information. I have asked Equifax to send proof of re-investigation for the following accounts with no success. 
XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX. {$570.00}. 
XXXX XXXXXXXX XXXX XXXX  XXXX. XX/XX/XXXX. {$0.00}. 
XXXXXXXX XXXX, XX/XX/XXXX. {$170.00}. 

I have disputed these accounts with XXXX  Equifax due to fraudulent charges and accounts being opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Derogatory status on accounts that are and have always been in good standing. 
According to 15US-1681c no one had permission to publish anything on my credit report. I have already filed a cade with XXXX XXXX XXXX XXXX and doing so either the others

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was requested to be transferred from XXXX to Chime checking by ACH Payment in cash on XX/XX/year>. Money was deposited into the Chime account on XX/XX/year>, and released on XX/XX/year>. 
Spoke to a Customer service representative on XX/XX/year>, and was told I would have my money in my account on XX/XX/year>. Called on XX/XX/year>, and spoke to XXXX, XXXX, XXXX XXXX, XXXX, and the last person I spoke to was a supervisor by the name of XXXX at XXXX XXXX, and he claimed I would have my money in my account by XX/XX/year>. XXXX XXXX, which manages the money for Chime online customers, has held my funds pending for more than 7 days without giving me a valid reason why the money is pending in the account without releasing funds to my checking account. XXXX gave me a reference number # XXXX, which confirmed they received my ACH deposit. This was bill money I needed to use. I have also noticed that Chime will delete information on their website, all debit cards from my banks were taken off of their system, and left only with checking account information. The amount deposited was {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
b"Please remove the following items from my credit report:-\n\nADDRESSES:-\n XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX,PA XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX XXXX,PA XXXX XXXX XXXX XXXX XXXX XXXX,PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXXACCOUNTS:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Accounts was removed and should not have been PLEASE REINSTATE ACCOUNTS

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 2025-06-12 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet reports identical statistically impossible payment patterns for XXXX separate student loans with different amounts ( {$3500.00}, {$4500.00}, {$6000.00} ), origination dates ( XXXX, XXXX, XXXX ), and payment amounts ( {$28.00}, {$38.00}, {$55.00} ). All three show identical payment cessation date ( XX/XX/XXXX ) and identical delinquency progression despite mathematical impossibility. This systematic false reporting violates 15 U.S.C. 1681s-2 and indicates post-data breach corruption being reported as factual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-11 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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