vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Subject : FCRA Violations Inaccurate and Unverified Accounts Reported by Credit Bureaus To Whom It May Concern, I am filing this complaint against the nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ) for the continued reporting of inaccurate, unverifiable, and incomplete accounts on my credit file. These accounts are being reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX compliance standards. 

The accounts in dispute are : 1. XXXX XXXX XXXX XXXX Account # : XXXX | Balance : {$240.00} Collection 2. XXXX XXXX XXXX XXXX Account # : XXXX | Balance : {$0.00} Charge-Off 3. XXXX XXXX XXXX Account # : XXXX | Balance : {$190.00} Collection 4. XXXX XXXX XXXX, XXXX 
Account # : XXXX | Balance : {$310.00} Collection These accounts are being reported with incomplete and inconsistent information. Despite my disputes, the credit reporting agencies have failed to provide proper verification as required under FCRA 611, and instead continue to parrot unverified data from furnishers without independent investigation. 

I am requesting the CFPB to intervene and ensure that these credit bureaus : Provide full and verifiable documentation from the original creditors ( including signed contracts and complete payment histories ), or Permanently delete these accounts from my credit file. 

The continued reporting of these unverified accounts is causing harm to my creditworthiness and is a direct violation of my rights under federal law. 

I respectfully request immediate action and enforcement to bring the credit reporting agencies into compliance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-08-22 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: MI

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This is my second formal complaint regarding the inaccurate and unverifiable accounts that continue to appear on my credit file despite my previous dispute. The companys response to my initial complaint failed to comply with federal law and did not constitute a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifaxs so-called verification consisted only of parroting back electronic confirmations from furnishers through the E-OSCAR system, without obtaining or providing any original, admissible documentation. This does not satisfy the requirement of a reasonable reinvestigation and has been repeatedly rejected by federal courts as a violation of the FCRA. 

The following accounts remain unlawfully reported : XXXX XXXX XXXX / # XXXX XXXX XXXX XXXX To date, no original signed contract, no legally valid billing statements, and no proof of assignment have been produced. Without such documentation, these accounts are unverifiable and must be immediately deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Furthermore, the fact that one account ( XXXX XXXX XXXX  ) was already deleted during the process demonstrates that my file contained errors, further undermining the credibility of the so-called verification process applied to the remaining accounts.

By continuing to report these accounts after being notified of their disputed and unverifiable nature, the furnishers and the credit bureau are engaging in willful noncompliance under 15 U.S.C. 1681n, making them liable for statutory, actual, and punitive damages.

I request that the CFPB : 1. Investigate Equifaxs failure to conduct a reasonable reinvestigation.

2. Enforce deletion of the unverifiable accounts listed above.

3. Take corrective action to ensure compliance with the FCRA and applicable laws.

This is a matter of ongoing harm, and I expect immediate corrective action.

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 2025-08-22 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: NY

Complaint narrative:
To Whom It May Concern, This is my second formal complaint regarding the inaccurate and unverifiable accounts that continue to appear on my credit file despite my previous dispute. The companys response to my initial complaint failed to comply with federal law and did not constitute a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifaxs so-called verification consisted only of parroting back electronic confirmations from furnishers through the E-OSCAR system, without obtaining or providing any original, admissible documentation. This does not satisfy the requirement of a reasonable reinvestigation and has been repeatedly rejected by federal courts as a violation of the FCRA. 

The following accounts remain unlawfully reported : XXXX XXXX XXXX / # XXXX XXXX XXXX XXXX To date, no original signed contract, no legally valid billing statements, and no proof of assignment have been produced. Without such documentation, these accounts are unverifiable and must be immediately deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Furthermore, the fact that one account ( XXXX XXXX XXXX  ) was already deleted during the process demonstrates that my file contained errors, further undermining the credibility of the so-called verification process applied to the remaining accounts.

By continuing to report these accounts after being notified of their disputed and unverifiable nature, the furnishers and the credit bureau are engaging in willful noncompliance under 15 U.S.C. 1681n, making them liable for statutory, actual, and punitive damages.

I request that the CFPB : 1. Investigate Equifaxs failure to conduct a reasonable reinvestigation.

2. Enforce deletion of the unverifiable accounts listed above.

3. Take corrective action to ensure compliance with the FCRA and applicable laws.

This is a matter of ongoing harm, and I expect immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
I have an account and statement with XXXX for my mortgage, however when I contacted them about a month ago to change the name on the mortgage, I was redirected to International Capital Group with the number XXXX. 

The number is not good, it either disconnects while calling or it goes to an invalid voicemail system. I have not received any correspondence at all from this company. I emailed them about a month ago when I couldn't get through on the phone from their alleged website. 

XXXX XXXX XXXXintercontinentalcapitalXXXX To no avail, I also could not find them on the XXXX to file a complaint, however, this is a very serious matter to remove change the name on my mortgage from my deceased wife to my daughter 's name. It is a matter of my estate, and I do not understand why I would not be able to contact an institution that is responsible for something so pertinent.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: DE

Complaint narrative:
MOHELA ( Missouri Higher Education Loan Authority ) is reporting inaccurate information on my student loan account ending in [ XXXX ]. 

The information being reported to XXXX XXXX XXXX XXXX  is false. Specifically, MOHELA is reporting late payments that never occurred This reporting has caused significant damage to my credit score ( over XXXX points ). I have provided MOHELA and the credit bureaus with documentation proving the information is inaccurate.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), MOHELA has a legal duty as a furnisher to ensure accuracy when reporting to consumer reporting agencies. They have failed in this duty.

I am requesting the CFPB require MOHELA to : Investigate this matter promptly. 

Correct or delete the inaccurate information with all credit bureaus. 

Provide me written confirmation of the correction.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was in the process of trying to buy a home when I recently pulled my credit report and discovered several serious inaccuracies. According to 15 U.S.C. 1681 of the Fair Credit Reporting Act, credit reporting agencies are required to ensure maximum possible accuracy. The continued reporting of these inaccurate and outdated accounts is not only improper but also defamatory to my character and reputation. 

These errors have directly harmed my credit health, limited my financial opportunities, and caused emotional and financial distress. Having inaccurate and unverifiable information on my report is preventing me from moving forward with purchasing a home and building stability for my future. 

The reporting agencies and furnishers have a duty to maintain accurate records, to delete unverifiable accounts, and to correct outdated information within the timelines set by law. Failure to do so results in damages to consumers like me and creates a false impression of creditworthiness. 

I am requesting that these inaccurate accounts be fully validated with original source documentation or permanently removed from my credit report. I also ask that all outdated and unverifiable personal information be deleted and that I be provided with a corrected copy of my credit report. 

This is not just a technical errorit has affected my livelihood, my ability to secure housing, and my overall financial well-being.

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 2025-08-22 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MO

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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