vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Equifax\nI am writing to formally dispute inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the Equifax data breach of XXXX, in which the personal information of over 147 million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in DisputeXXXXXXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerely,\nPhillip Hill\n762-310-9310'

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX, Equifax, and XXXX. My personal data was compromised in the major breaches of all three agencies, each of which is now subject to class-action litigation. Despite these breaches, which prove consumer data can not be trusted as accurate or safe, all three bureaus continue to report collections, charge-offs, and inquiries on my credit profile that are harmful, inaccurate, and unauthorized. 

Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ), the bureaus must ensure maximum possible accuracy and must delete unverifiable information after reinvestigation. Under the Fair Debt Collection Practices Act ( FDCPA 807, 809 ), no false or unvalidated debt may be reported. In addition, industry reporting must conform to Metro 2 compliance standards, which prohibit the reporting of inaccurate, incomplete, or unverifiable data.

The continued presence of these derogatory items violates these laws and standards. I did not authorize XXXX, Equifax, or XXXX  to re-publish false claims against me, especially in light of the breaches that compromised my private data. This has caused me ongoing financial harm, emotional distress, and reputational damage. 

I demand that all collections, charge-offs, and inquiries be permanently deleted from my credit reports immediately. Continued reporting of unverifiable negative items constitutes willful noncompliance with federal law. I am submitting this complaint to the CFPB to formally document these violations and to demand corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit reports, I discovered several accounts being reported inaccurately and without proper validation. XXXX XXXX XXXX XXXX is reporting a charged-off account with a {$430.00} balance, but the charge-off dates and past due amounts are inconsistent across bureaus. XXXXXXXX XXXX XXXX is also reporting a charged-off account with a {$120.00} balance, yet the late payment history is inaccurate and unverifiable. XXXX XXXX XXXX is reporting a charged-off account with a {$1100.00} balance and continues to list excessive derogatory months even though prior disputes remain unresolved. 

Continental Finance is reporting a charged-off account that was sold to another lender and reflects a {$0.00} balance, yet it continues to report as derogatory, which is misleading and constitutes double reporting. Additionally, XXXX XXXX XXXX is reporting two separate collection accounts ( {$1300.00} and {$660.00} ) but has provided no proof of ownership, assignment, or chain of custody, making the reporting unverifiable. 

On top of this, Equifax is reporting an unauthorized hard inquiry from XXXX XXXX XXXX ( XX/XX/year> ), which I did not approve. Despite prior disputes, these accounts and inquiries remain on my reports, harming my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit reports, I discovered several accounts being reported inaccurately and without proper validation. XXXX XXXX XXXX XXXX is reporting a charged-off account with a {$430.00} balance, but the charge-off dates and past due amounts are inconsistent across bureaus. XXXXXXXX XXXX XXXX is also reporting a charged-off account with a {$120.00} balance, yet the late payment history is inaccurate and unverifiable. XXXX XXXX XXXX is reporting a charged-off account with a {$1100.00} balance and continues to list excessive derogatory months even though prior disputes remain unresolved. 

Continental Finance is reporting a charged-off account that was sold to another lender and reflects a {$0.00} balance, yet it continues to report as derogatory, which is misleading and constitutes double reporting. Additionally, XXXX XXXX XXXX is reporting two separate collection accounts ( {$1300.00} and {$660.00} ) but has provided no proof of ownership, assignment, or chain of custody, making the reporting unverifiable. 

On top of this, Equifax is reporting an unauthorized hard inquiry from XXXX XXXX XXXX ( XX/XX/year> ), which I did not approve. Despite prior disputes, these accounts and inquiries remain on my reports, harming my creditworthiness.

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 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I dispute the Jefferson Capital. Jefferson is reporting inconsistent balances and payment histories across bureaus, violating FCRA 607 ( b ). Without original retail installment contracts, this account must be deleted under 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian 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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} 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 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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
My mortgage servicer charged me $ XXXX/year for force-placed insurance after my homeowners policy lapsed. This amount is many times higher than my normal annual premium ( ~ {$900.00} ). 

My account is enrolled in paperless delivery, and under the E-SIGN Act ( 15 U.S.C. 7001 et seq. ), they are required to deliver legally required disclosures electronically, not by mail. I did not receive any valid force-placed notices via this method before being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was travelling in XXXX on XX/XX/XXXX. There was a fraudulent transaction posted to my account for {$840.00} with my bank of america credit card. Submitted fraud case with bank and asked for receipt of purchase but the bank denied my claim and didn't provide the receipt. It is very lengthy process, need to hold for associate for longtime

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness. 



I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action against EXPERIAN, XXXX AND TRANSUNION for the violations of the FCRA. I am also seeking assistance in rectifying the inaccuracies on my credit report, including the CORRECTION of any derogatory information resulting from the inaccurate reporting. 

Thank you for your attention to this matter, and I appreciate the CFPB 's efforts in ensuring fair and accurate credit reporting for consumers.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report that do not belong to me. My personal information was compromised in the XXXX  data breach, and since then I have been dealing with accounts I never opened. I have already provided proof of my identity and an FTC Identity Theft Report, but these accounts are still being reported. This has left me unable to move forward financially and has caused me severe emotional distress.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am the victim of identity theft, documented in my FTC Identity Theft Report # XXXX ( filed XX/XX/XXXX ). XXXX of the fraudulent accounts was a XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I never opened. 

On XX/XX/XXXX, I provided my FTC Identity Theft Report to Equifax, Experian, and TransUnion, and requested blocking under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this law, the credit reporting agencies were required to block the tradeline within 4 business days. Despite this, the account remains on my credit files as of XX/XX/XXXX ( see attached TransUnion credit report ). 

Additionally : Equifax acknowledged on XX/XX/XXXX ( via CFPB portal response ) that XXXX XXXX not currently reporting. Yet, by XX/XX/XXXX, it was reinserted on my Equifax file without the required notice of reinsertion under FCRA XXXX ( a ) ( XXXX ) ( B ). 

Experian continued to verify the account despite being provided with my FTC Identity Theft Report and supporting documentation. 

TransUnion continues to report the account through XX/XX/XXXX, despite receiving my FTC report and disputes. 

Most importantly, after several requests for proof that I ever opened this account contracts, applications, or signatures none of the bureaus have provided any such proof. 

These actions constitute : Failure to block identity theft information ( 605B ).

Unlawful reinsertion without notice ( 611 ( a ) ( 5 ) ( B ) ).

Failure to conduct a reasonable reinvestigation ( 611 ( a ) ).

Failure to provide the method of verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Harm Suffered Because of these failures, I have suffered : Denials of credit ( loan applications rejected ).

Employment losses due to failed background/credit checks. 

Banking denials ( checking account applications rejected ). 

Emotional distress and reputational harm.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Attention : Alliant Credit Union Underwriter ( s ) I XXXX XXXX XXXX is appealing my, Auto Loan denial via Reconsideration Process/Appeal Process. Please start my Reconsideration Process/Appeal Process. Application ID : XXXX. 
I XXXX XXXX XXXX applied for an Auto Loan on or around XX/XX/year> and was denied. Regardless of the reason for being denied, I have the right to credit. With holding my access to my securities is securities fraud. Youre violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me my own credit, please retract my loan application. 
15 U.S.C. Section 1611 : Faults And Misleading Denial Of My Own Credit.

Your Credit Union denied me for an Auto Loan, so Im about to report your Credit Union, to the Bank ( s ) and Credit Union ( s ) Regulatory Agency. Because your Credit Union violated the ECOA Law Pursuant To 15 U.S.C. Section 1691.

You cant be denied credit due to credit score, credit history, or income. Any adverse action in a consumer credit transaction is illegal.

[ 15 U.S.C. Section 1691 & 12CFR 1002 ] I am The Original Creditor : Pursuant To 15 U.S.C. Section 1602.

The entire consumer transaction is predicated on my unlimited credit.

Federal Reserve Act : Banks and Corporations, through the Federal Reserve System, treat consumer credit applications as receivable ( assets ) that can be pledged, sold, or securitized. When deposited to the receivable account, it enters the corporate books as an asset. By double-entry accounting, if the corporation records the consumers application as an asset, it must also record a liability-meaning it owes value to the consumer who is effectively acting as the creditor/depositor. 

Banks Credit Unions, and any Financial Institution, gets XXXX XXXX Dollars, for a consumers loan application, no matter if the loan is approved or denied. Do the Banks, Credit Unions and any Financial Institutionss inform the consumer of these facts. No they do not at all. 

Thank you for your time in this very important matter. 
Reserve My Rights Without Prejudice UCC 1-308 [ XXXX XXXX XXXX ] Dated : XX/XX/year>

Company response to consumer: Closed with explanation