vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC
State: OH

Complaint narrative:
CFPB Complaint Failure to Validate Debt / Incorrect Credit Reporting Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX ________________________________________ Collector / Furnisher : Shermeta Law Group , PLLC ( on behalf of XXXX XXXX XXXX ) Original Creditor : XXXX XXXX XXXX Account Type : Collection / Charged-Off Account Reference Number : XXXX Date of Complaint : XX/XX/year> ________________________________________ Statement of Complaint I am filing this complaint regarding improper debt collection and inaccurate credit reporting under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I disputed the alleged WebBank/Avant account in writing and requested validation on XX/XX/year>. I sent a follow-up notice on XX/XX/year>. The collector, Shermeta Law Group, received my dispute but continued collection activity without providing validation, in violation of FDCPA 15 U.S.C. 1692g ( b ). 
Additionally, the account is currently reported by XXXX XXXX XXXX as In Collections, but is not marked as disputed, even though the collector was notified in writing. This violates FDCPA 15 U.S.C. 1692e ( 8 ) and FCRA 623 ( a ) ( 3 ), which require furnishers to accurately report a dispute once notified. 
________________________________________ Requested Resolution I request that the CFPB require the collector and furnisher to either : 1. Provide full validation, including : o Proof that XXXX XXXX XXXX legally owns this specific account ( chain of assignment ) ; o A complete accounting explaining how the balance increased from the original amount to the currently reported balance ; OR 2. Cease all collection efforts and delete the tradeline from all credit reporting agencies if validation can not be produced. 
________________________________________ Evidence Included Dispute letters ( XX/XX/year> and XX/XX/year> ) Proof of delivery / email records showing receipt Collectors incomplete response Screenshots of credit report showing the account reported without dispute notation ________________________________________ Certification I certify that the information provided is accurate to the best of my knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-05 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: GA

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 id-entity 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 XXXX 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 complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

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 id-entity 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 XXXX 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 complete and accurate.

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 2025-11-05 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: TX

Complaint narrative:
Guarantee timely removal of all disputed accounts, as the law demands.

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 2025-11-05 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: TX

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 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 2025-11-05 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: TX

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 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 2025-11-05 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious matter.

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 2025-11-05 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$3600.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX Balance : {$1300.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$4700.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am filing this complaint because all three major credit reporting agencies Equifax, Experian, and TransUnion are reporting inaccurate, obsolete, and misleading information on my consumer credit report, which has caused emotional distress, mental anguish, and economic harm. 

Despite my written disputes sent to each agency, the companies have failed to follow the Fair Credit Reporting Act ( FCRA ) procedures to ensure that all items on my report are accurate and verifiable. 

I never authorized these agencies to report or distribute my personal data, and under 15 U.S.C. 1681b, a consumer reporting agency can only furnish a consumer report with a court order or with the consumers written instructions. I have never provided such authorization. Their continued reporting therefore constitutes a violation of federal law and aggravated identity theft. 

Additionally, each agency has failed to : Provide full file disclosures as required by 15 U.S.C. 1681g, including sources of information, identifying details of all persons who procured my report, and a record of all inquiries in the past year.

Correct or delete unverifiable and obsolete accounts under 15 U.S.C. 1681i.

Remove non-account-holding inquiries over XXXX  days old.

Maintain consistent and accurate records across all nationwide consumer reporting agencies as required by 15 U.S.C. 1681b ( e ) ( 6 ). 

This ongoing inaccurate reporting has prevented me from obtaining credit, damaged my reputation, and caused unnecessary hardship.

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 2025-11-05 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion regarding the inaccurate reporting of late payments on my consumer credit reports. The following accounts are being misreported : DEPT OF EDXXXX XXXX Balance : {$2300.00} Date of Last Payment : XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX Balance : {$1300.00} Both accounts show late payments that are factually incorrect, unverifiable, or reported beyond what is legally permissible. The negative payment history reflected on my reports does not align with the actual payment history or contractual obligations. I have repeatedly disputed these errors, yet the credit bureaus and furnishers continue to report inaccurate information, harming my credit profile and violating multiple federal consumer protection laws.

Violations of Federal Law Fair Credit Billing Act 15 U.S.C. 1666b : This statute governs the timing of credit card payments and how they are credited. Creditors and furnishers must accurately report payment dates. Any misreporting of payment history including showing late payments where none occurred violates this provision.

Gramm-Leach-Bliley Act 15 U.S.C. 6802 : This law restricts the sharing of nonpublic personal information. Reporting false or inaccurate payment data to third-party credit bureaus constitutes unauthorized disclosure of misleading consumer data.

Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) : The FCRA requires consumer reporting agencies to include only accurate and verifiable information in credit reports. Persisting in publishing false late-payment data after a consumer dispute violates this standard.

FCRA 15 U.S.C. 1681s-2 : Furnishers of information have a legal duty to report information accurately and to correct errors when notified. The furnishers in this case failed to conduct a reasonable investigation or correct the misreported late-payment history after multiple disputes.

FCRA 15 U.S.C. 1681i and 1681e ( b ) : Credit reporting agencies must reinvestigate disputed information and follow reasonable procedures to assure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates a failure to comply with these obligations. 
Legal Precedent In XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies can not merely rely on a furnishers response when a consumer disputes information. They must conduct an independent investigation to verify the data. The continued reporting of these erroneous late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a violation of the FCRA.

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 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have a VA-backed mortgage serviced by Freedom Mortgage. 

I first contacted them in XX/XX/2025 to request a temporary hardship/forbearance because my income was affected by the federal government shutdown.

Over two weeks, I have spoken with at least six representatives, each confirming that my hardship application was submitted and that I would receive an email to sign the forms. I have never received the application or documentation, and each follow-up call results in a new representative saying there is no record of my request. 

My payments are current through XX/XX/2025, and I am not in default. However, Freedom Mortgage has failed to process or document my hardship request. This violates VA loan servicing regulations ( 38 CFR 36.4350 ) and CFPB loss-mitigation rules. 

I am requesting that Freedom Mortgage : Escalate my case to Executive Resolution/Loss Mitigation Management Backdate my hardship request to my first call in XX/XX/2025 Suspend late fees and negative credit reporting while under review Confirm in writing the approval or status of my hardship/forbearance request.

I have also contacted the VA Loan Servicing Center and will include their case number once provided.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX acct # XXXX {$1500.00} is currently reporting on my credit report. I do not nor have i ever had auto insurance with XXXX, I never recieved any letter or notification about this account. Had I? I wouldve immediately addressed it. Please remove account from report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I requested a XXXX XXXX Cancellation of Debt from XXXX/Citizens regarding an account that was previously reported on my credit report but has since been proven Fraudulent, Documentation and credit investigation confirm I was not responsible for this debt. To ensure accurate tax and credit reporting, I request a written confirmation and copy of the XXXX form, if XXXX was issued, or official verification that the debt has been canceled and removed. Please provide this information within XXXX  days in accordance with federal reporting and consumer protection laws. 

I sent this letter to XXXXCitizen and Credit bureaus, I have not received any correspondence in which deems this fraud against me and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief