vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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 has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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, 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 2025-08-25 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: VA

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 2025-08-25 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  has reported payment lateness in XX/XX/year>. Payment was made on XX/XX/year>. I have provided the payment details

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX  has reported payment lateness in XX/XX/year>. Payment was made on XX/XX/year>. I have provided the payment details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I'm in the process of applying for an assumption loan through Freedom Mortgage. This is a Veteran 's Administration backed loan as I'm an active-duty military member. 

Freedom Mortgage has continually requested additional documentation regarding my student loan repayment program administered through the XXXX XXXX. Each request asks for " new information '' regarding this program. However, I have provided all of the information requested in previous requests. 

In addition, under the VA Underwriting Guidelines, my student loan debt should not be counted. The VA specifically states that student loans, that will be deferred more than 12 months, do not need to be counted as part of my overall debt. I have provided sufficient evidence to show that my student loans will be deferred for the next three years as part of the student loan repayment program through the XXXX XXXX. Freedom Mortgage has consistently refused to acknowledge this documentation and continues to request more information regarding my student loans. Information that I have previously provided through multiple requests. 

Freedom Mortgage has also consistently requested that I voluntarily withdraw my application and reapply. There is no reason as to this request unless the request is to avoid issuing a denial letter and going through the VA appeal process. There is also no reason as to voluntarily withdraw and restart the process, as that would unnecessarily delay the application. I have already requested two extensions to our closing date, at the request of Freedom Mortgage and their delay in processing my application. Voluntarily withdrawing my application and restarting the process with a co-borrower would add an extra two or three months to the process, with no guarantee of a different outcome. 

This application was started on or around XXXX XX/XX/year>, and has consistently dragged on through the fault of Freedom Mortgage. I have responded promptly, usually within 48 hours of any request for documentation. 

At this point in the process, my belief is that Freedom Mortgage is intentionally drawing this process out and finding any excuse as to deny my application in order to extract more fees from me. 

Freedom Mortgage is not applying VA Guidelines in processing my application. Freedom Mortgage is also not following the VA Guidelines regarding the timeline of the application.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is reporting a debt in my name that I fully dispute. At no point did I authorize this company to obtain, handle, or furnish my personal information. They are reporting on my credit file without presenting any lawful validation, which is in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received any of the following : A copy of an original signed contract or application establishing that I am liable for this debt. 

Itemized account statements showing how the alleged balance was calculated, including principal, fees, and interest. 

Documentation of assignment, transfer, or purchase of the account specifically identifying my informationnot a generic sample. 

Proof that I explicitly authorized Credit Collection Services to possess, share, or report my private personal data. 

Instead, CCS continues to report to XXXX, XXXX, and XXXX, furnishing negative information without proof. This practice is unlawful and abusive under multiple provisions of consumer law, including : FDCPA 809 ( 15 U.S.C. 1692g ) requiring debt collectors to provide validation of a debt and cease collection until validation is complete.

FDCPA 807 ( 15 U.S.C. 1692e ) prohibiting the use of any false, deceptive, or misleading representation. Reporting unverifiable debts is inherently misleading.

FDCPA 808 ( 15 U.S.C. 1692f ) prohibiting unfair or unconscionable collection practices.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requiring furnishers to maintain accuracy and completeness in reporting.

FCRA 611 ( 15 U.S.C. 1681i ) requiring a reasonable investigation into disputed accounts. 

By failing to provide lawful proof and continuing to publish this account, CCS is knowingly and recklessly reporting false information. This has harmed my credit score, blocked financial opportunities, and caused undue stress and hardship.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXAttn: Customer Relations Department\XXXX XXXX XXXXTo Whom It May Concern,XXXXI am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.XXXXFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA.\XXXXI request pursuant to FCRA subsection 605b (15 U.S.C 1681 c-2) that you credit XXXX1. Violation of 15 U.S.C.  1681e(b):XXXXUnder this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.XXXX2. Violation of 15 U.S.C.  1681i:\XXXXThis section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed informationXXXX light of these violations, I am requesting the following actions be taken immediately:XXXXPrompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data.XXXXConfirmation of Action Taken: Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.XXXXDocumentation: Send me a copy of the updated credit report reflecting the changes made as a result of this dispute.\XXXXFailure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights.'

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 2025-08-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXAttn: Customer Relations Department\XXXX XXXX XXXXTo Whom It May Concern,XXXXI am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.XXXXFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA.\XXXXI request pursuant to FCRA subsection 605b (15 U.S.C 1681 c-2) that you credit XXXX1. Violation of 15 U.S.C.  1681e(b):XXXXUnder this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.XXXX2. Violation of 15 U.S.C.  1681i:\XXXXThis section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed informationXXXX light of these violations, I am requesting the following actions be taken immediately:XXXXPrompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data.XXXXConfirmation of Action Taken: Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.XXXXDocumentation: Send me a copy of the updated credit report reflecting the changes made as a result of this dispute.\XXXXFailure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi bank have put restrictions on my account, they can not verify me by the phone.I called them they said wait for letter after receiving letter about 2 weeks later they said its not the contract one, now Im waiting for the second letter I received the second letter they say its not the one wait for third, its been almost about a month Im just waiting, I am due for car payment, insurance, even I was not able to make pay my rent and I received eviction from landlord.

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