vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: WY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit and CFPB complaint to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These unauthorized accounts include student loans with the Department of Education : account ending XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX for {$0.00}, and XXXX opened XX/XX/XXXX for {$0.00}, as well as a XXXX XXXXXXXX XXXX XXXX XXXX. credit card account ending XXXX opened XX/XX/XXXX with a balance of {$1200.00}. I have never applied for, opened, or authorized any of these accounts, and their presence has caused inaccurate reporting, fraudulent inquiries, and improper collection activity. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of these fraudulent accounts and any related derogatory information from all consumer credit reports, the cessation of all associated collection activity, and written confirmation that these accounts have been permanently deleted and will not be re-reported. Attached is my social, ID, XXXX proof of address, FTC reports, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 
XXXX XXXX XXXX Account number XXXX Balance {$300.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$510.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$620.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXXXXXX 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 2025-09-04 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: TX

Complaint narrative:
I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on 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 2025-09-04 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: MI

Complaint narrative:
In violation of 15 USC 1666b, the company made a billing error as has not provided proof that at the time they reported the account with a late payment, they had adopted reasonable procedures designed to ensure that each periodic statement including the information required by 15 USC 1637 ( b ) was mailed or delivered to me not later than 21 days before the payment came due.

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 2025-09-04 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: MI

Complaint narrative:
I am disputing the XXXX account appearing on my credit report, which is reported as closed with a late payment in XX/XX/XXXX. This derogatory entry is inaccurate and unverifiable. Despite my disputes and requests for validation, neither XXXX nor Experian has provided original account-level documentation proving this alleged delinquency. 
Violations Identified FCRA 605 ( a ) : Inaccurate or obsolete information may not be reported.

FCRA 609 ( a ) ( 1 ) : I am entitled to see the complete records and method of verification for this late payment. None have been produced.

FCRA 611 ( a ) : CRAs must conduct a reasonable reinvestigation within 30 days. If unverifiable, the entry must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. 

XXXX XXXX : XXXX v. TransUnion ( XXXX ) CRAs can not simply parrot furnishers ; they must independently verify accuracy. 

Harm Suffered The alleged late payment is depressing my FICO score and limiting access to credit. 
I have suffered financial harm, stress, and reputational damage as a result of this inaccurate reporting.

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 2025-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, I received a letter from The XXXX XXXX XXXX, XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, with the phone number XXXX. The letter appeared to be a right to cure notice. It claimed that I owed a debt related to a home equity line of credit ( HELOC ) with XXXX XXXX XXXX from XXXX. I did not recognize this debt, so I promptly wrote a letter and mailed it certified to XXXX XXXX XXXX XXXX XXXX, requesting all the information they had about this alleged debt. After 30 days, I did not receive a response, so I mailed another request. Despite this, I did not hear back. 

In XXXX XXXX, I received another letter. This one resembled a notice of election and demand for sale by public trustee. It contained more information than the previous letter but was still vague. It appeared that they were attempting to collect a HELOC loan that was taken out in XXXX. This particular loan was believed to have been transferred to XXXX  XXXX XXXX when XXXX XXXX XXXX, the original lender, closed in XXXX. I was unaware of this loans existence, nor has there been any demand for payment from anyone in the past 16 years. I believed the loan had been transferred to XXXX XXXX XXXX and continued making payments as usual. I have not missed a mortgage payment in the past 20 years. Therefore, it is concerning that I am now facing foreclosure for a HELOC loan that I did not even know existed. They are demanding {$35000.00} or the house will be auctioned on XX/XX/XXXX. The balance on the original HELOC was approximately {$16000.00}. 

After conducting some research, I discovered that this is commonly referred to as a zombie mortgage scam. I consulted with several local attorneys regarding the matter, and they all indicated that the statute of limitations may not apply in this case due to the nature of the loan and that they would be unable to provide assistance. As of today, I lack the financial resources to pay the requested amount and will likely lose my home of 25 years as a result. I firmly believe that this constitutes an outrageous scam that should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: OR

Complaint narrative:
On XX/XX/XXXX I was the victim of someone posing as a Charles Schwab representative. I provided no identifying information to them and they were still able to hack into my account with Charles Schwab. They moved my money in my savings account and checking into my brokerage and wire transferred to themselves {$10000.00}. This emptied my cash access leaving me unable to pay upcoming bills linked to a checking account. 

I was contacted less than XXXX business hours later by a fraud rep because I was also locked out of my account unable to stop the transfer. They shared I might not get any funds back. They offered no solution. I've filed a police report, FTC and FBI report. I also contacted the thief 's bank and let them know I did not authorize my money to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDIT BUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-04 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: NV

Complaint narrative:
I am not the owner of these accounts, and they must be removed under USC 1681g within 15 days.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: First National Collection Bureau, Inc.
State: NJ

Complaint narrative:
This number called my phone number XXXX multiple times after XXXX on XXXX, left no message. When I picked up on the 3rd phone call they hung up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion, as the credit reporting agency , block from my consumer credit report all information resulting from identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information pertains to a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX for {$750.00}, a hospital bill opened at XXXX XXXXXXXX XXXX XXXX XXXX MD on XX/XX/XXXX for {$1900.00}, a second hospital bill opened at FL XXXX XXXX XXXX XXXX MD on XX/XX/XXXX for {$1400.00}, a third hospital bill opened at FL XXXX XXXX XXXX XXXX MD on XX/XX/XXXX for {$1000.00}, and lastly a utility bill ( XXXX ) opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Enclosed is a list of the hard inquiries in question, along with a copy of my credit report maintained by your agency, which reflects these fraudulent items. I do not recognize any of the accounts, collections, or inquiries reported. These items were not opened, initiated, or authorized by me. They are the direct result of identity theft and fraud. As supporting evidence, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # [ XXXX ] ) issued by the XXXX Federal Trade Commission, which confirms that the accounts, collections, and hard inquiries in question are fraudulent.

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 2025-09-04 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: NC

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that XXXX  as the credit reporting agency , block from my consumer credit report all information resulting from identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information pertains to a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX for {$750.00}, a hospital bill opened at FL XXXX XXXX XXXX XXXX MD on XX/XX/XXXX for {$1900.00}, a second hospital bill opened at FL XXXX XXXX XXXX XXXX MD on XX/XX/XXXX for {$1400.00}, a third hospital bill opened at FL XXXX XXXX XXXX XXXX MD on XX/XX/XXXX for {$1000.00}, and lastly a utility bill ( XXXX ) opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Enclosed is a list of the hard inquiries in question, along with a copy of my credit report maintained by your agency, which reflects these fraudulent items. I do not recognize any of the accounts, collections, or inquiries reported. These items were not opened, initiated, or authorized by me. They are the direct result of identity theft and fraud. As supporting evidence, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # [ XXXX ] ) issued by the U.S. Federal Trade Commission, which confirms that the accounts, collections, and hard inquiries in question are fraudulent.

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 2025-09-04 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief