vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the fair credit reporting act, has violated my rights. 

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.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/year>, I disputed a MOHELA account through XXXX. 
On XX/XX/year>, the dispute was resolved in my favor MOHELA closed the account, and my credit was restored. 

On XX/XX/year>, the same negative report that had been removed was reinserted into my credit file without the required written notice under FCRA 611 ( a ) ( 5 ) ( B ). 

On XX/XX/year>, during a recorded phone call, a MOHELA supervisor admitted that MOHELA does not review anything from the credit bureaus when responding to disputes. This is a direct violation of FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation and review all relevant information provided by the credit bureau. 

MOHELAs actions have caused significant financial and emotional harm, and their admissions indicate systemic noncompliance with federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-12 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: MN

Complaint narrative:
I reviewed my Transunion credit report and noticed that TBOM/FORTIVA account are being reported as open and late. This information is inaccurate. Based on my records, these account should not be showing as currently open with late payments. This incorrect reporting is damaging my credit standing and does not reflect my true payment history. I am requesting that Transunion verify these account with complete and accurate documentation from the original creditor, as required under the Fair Credit Reporting Act ( FCRA ). If Transunion can not provide full verification, the inaccurate information must be corrected or removed.

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 2025-08-12 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: GA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer overlook, as they have been severely harming both my life and my credit score, preventing me from achieving financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
In XX/XX/year>, I contacted XXXX XXXX University ( XXXX ) about a balance showing on my account. I was told directly by XXXX that the matter was resolved with the Veterans Affairs and that no further action was required on my part. Then recieved a text that the financial hold was released. 

I received no further communication from XXXX by postal mail or phone that this alleged balance remained unresolved or that it would be sent to collections. 

On XX/XX/year>, I learned that XXXX had sent this account to ConServe for collections, and ConServe reported it to the credit bureaus without providing me any written notice by postal mail as required under 15 U.S.C. 1692g ( a ) and Colorado Revised Statutes 5-16-109 ( 1 ). I have formally disputed the deb
t with ConServe, XXXX, and all three major credit bureaus. I have requested full debt validation, including the original signed agreement, complete account history, and all records of communication. As of today, I have received no such validation. 

Despite the debt being in dispute, ConServe continues to report the account to the credit bureaus, which is a violation of 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act, 15 U.S.C. 1681s-2.

This inaccurate reporting has caused financial harm, including a higher interest rate on a vehicle loan I am pursuing.

Laws Violated : FDCPA, 15 U.S.C. 1692g ( a ) : No written notice of debt within 5 days of initial communication.

FDCPA, 15 U.S.C. 1692g ( b ) : Continued collection and credit reporting without validation during dispute.

FCRA, 15 U.S.C. 1681s-2 : Furnishing inaccurate information to credit bureaus.

Colorado Revised Statutes 5-16-109 ( 1 ) : Failure to provide required written notice by postal mail within 5 days.

Requested Resolution : Immediate removal of this collection account from all credit bureaus. 

Written confirmation from XXXX and ConServe that the account is closed and will not be pursued. 

XXXX that no further negative credit reporting will occur related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

XXXXXXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-12 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: NC

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed.

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus.

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
Im disputing the XXXX account on my credit report because its being reported incorrectly. 

Two major problems : 1. Date Reported doesnt match TransUnion says XX/XX/XXXX Equifax says XX/XX/XXXX 2. Creditor Remarks dont match TransUnion : Dispute resolved; reported by grantor Equifax : Account previously in dispute now resolved by data furnisher, Closed or paid account/zero balance Both cant be correct. If the information isnt the same across bureaus, its not accurate and under the FCRA, inaccurate or unverifiable information must be deleted.

Im requesting that you delete this account from my credit report immediately and send me the results of your investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am contacting you to dispute an inaccurate late payment reported on my account. The payment was made in a timely manner, and this false reporting is misleading and harmful to my credit profile. This error must be corrected without delay.

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 2025-08-12 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: NJ

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 : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: NY

Complaint narrative:
XXXX XXXX closed my account and transferred it to XXXX XXXX XXXX XXXX ( SST ). SST operates under the names Alorica XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX. SST then transferred the account to XXXX XXXX XXXX on XX/XX/year>. Despite multiple requests, XXXX XXXX XXXX XXXX has refused to provide me with a written notice confirming this transfer. This letter is essential for my records and for resolving related matters with the appropriate agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
Ever since my data has been breached in the XXXX breach years ago collections has been appearing on my credit report. Ive reported multiple times that I am a victim of Identity theft and the credit agencies still refuse to remove the inaccurate accounts from my credit report. I have no dealings with the companies named XXXX XXXX XXXX XXXX opened XX/XX/year> XXXX  XXXX opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
I have made three phone calls inquiring about my escrow money that by their letter dated XX/XX/year> my husband and I have a refund in the amount of XXXX and that they had issued a check and sent it to my old address I called them shortly after receiving this letter to update my new address and the lady I spoke to send she would have to buy a cancellation on the check that was sent and reissue one that it would take two weeks. I waited the two weeks and called again and told them I hadnt received the check so they but in a request to issue a new one that it would take another two weeks, will that two weeks went by and still no check I called again last week and again was told she would be in a request to issue my Check Im gon na be honest by now I said why are we putting in a request that was supposedly done two weeks ago now Im XXXX and not very nice because my house sold on XX/XX/XXXX it is XX/XX/XXXX and still no check

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I am filing this complaint regarding Ally Financials handling of my vehicle loan payoff, which resulted in unjustified delays, excessive additional charges, and potential credit harm despite timely action to satisfy my loan. Allys conduct appears deceptive and has caused significant frustration and financial impact.

Company response to consumer: Closed with explanation