vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
I am the victim of identity theft, and my personal information has been used without my authorization to fraudulently open and report accounts under my name. Despite multiple disputes and alerts filed with Experian, Equifax, and TransUnion, false and inaccurate informationoriginating from companies such as XXXX XXXX XXXX, XXXX XXXX, Flagship Credit Acceptance, and othersremains on my credit report. 

These accounts are NOT mine. I did not apply for them, authorize them, or benefit from them in any way. They were opened fraudulently and are damaging my credit, livelihood, and ability to obtain fair financial services. I have attached a sworn affidavit, credit reports, and supporting documentation to confirm the fraud. 

I demand immediate action : permanent deletion of all fraudulent accounts, a full investigation under the Fair Credit Reporting Act ( FCRA ), and regulatory consequences for any party that continues to report inaccurate data after being notified. 

I expect the CFPB to hold these furnishers and bureaus accountable for their repeated violations of federal law.

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 2025-06-24 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: AZ

Complaint narrative:
I am the victim of identity theft, and my personal information has been used without my authorization to fraudulently open and report accounts under my name. Despite multiple disputes and alerts filed with Experian, Equifax, and TransUnion, false and inaccurate informationoriginating from companies such as XXXX XXXX XXXX, XXXX XXXX, Flagship Credit Acceptance, and othersremains on my credit report. 

These accounts are NOT mine. I did not apply for them, authorize them, or benefit from them in any way. They were opened fraudulently and are damaging my credit, livelihood, and ability to obtain fair financial services. I have attached a sworn affidavit, credit reports, and supporting documentation to confirm the fraud. 

I demand immediate action : permanent deletion of all fraudulent accounts, a full investigation under the Fair Credit Reporting Act ( FCRA ), and regulatory consequences for any party that continues to report inaccurate data after being notified. 

I expect the CFPB to hold these furnishers and bureaus accountable for their repeated violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
On XX/XX/year> I sent EXPERIAN my FTC report, license to dispute fraudulent accounts reporting on my consumer report.

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 2025-06-24 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: CA

Complaint narrative:
Im contacting you regarding inaccurate and unacceptable information listed on my credit report, which does not comply with the Fair Credit Reporting Act ( FCRA ) particularly the requirement that all reported information be complete, fair, and as accurate as possible.

After reviewing my credit file, I identified a specific item that is not meeting the FCRAs standard of maximum possible accuracy, and Im demanding that it be immediately deleted from my report.

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 2025-06-24 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: FL

Complaint narrative:
RE : Formal Complaint Against XXXX  for FCRA Violations and Refusal to Correct Credit Report To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint against XXXX for failing to correct inaccurate, outdated, and unverifiable information on my credit report, despite multiple disputes and Credit Dispute Letter supporting documentation provided in accordance with the Fair Credit Reporting Act ( FCRA ). 
I submitted several disputes through XXXX official channels, and each was marked as completed without any corrective action. The confirmation numbers for these disputes are : - XXXX - Completed on XX/XX/XXXX - XXXX - Completed on XX/XX/XXXX - XXXX - Completed on XX/XX/XXXX These disputes included items that are either : 1. Transferred/closed accounts with continued derogatory marks ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. A collection account ( XXXX XXXX XXXX XXXX  {$560.00} ) that has never been properly validated under FDCPA - 809 ( b ).

Credit Dispute Letter 3. Incorrect payment history or duplicate reporting that violates FCRA - 611 and - 623. 
Attached to this complaint are : - My dispute letters sent to XXXX An affidavit of identity - Screenshots from the XXXX portal showing the completed disputes - A cover letter outlining all issues I request the CFPB to investigate XXXX noncompliance and enforce the immediate removal of all unverifiable and inaccurate accounts from my credit report, as per the consumer rights guaranteed under FCRA - 609 ( a ), - 611, and - 623. 
Thank you for your time and assistance. 
Credit Dispute Letter Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
The company said they were a law firm and that I owed over {$1000.00} and some change for a debt for XXXX XXXX XXXX XXXX. The guy sounded XXXX. The call was said from Law Offices of Robert A. Schuerger Co. , LPA. Working with Ohio Attorney Generals Office. They asked how I was going to take care of this debt and wanted me to pay it, and also was going to ask for a payment plan and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To Whom It May Concern, Both my parents passed away within 52 days of each other, and I was appointed the executrix of their estate. Since they died in Texas, their home that is mortgaged with PHH is located in New Mexico, I had to open probate in Texas and meet with the judge in New Mexico to obtain her signature which I successfully completed.

I provided PHH via email with my parents ' death certificates, the sealed letter of testamentary and my attorney 's information on his letterhead XX/XX/XXXX, and again on XX/XX/XXXX. However, today I was informed that I would need to wait for a packet to be sent to me via mail, which they stated would take five ( 5 ) business days. I am simply trying to pay off my parents ' home and have supplied all necessary documents multiple times. Not to mention the documents that were provided were sufficient to meet the New Mexico 's Title company 's requirements.

I also requested the contact number of the XXXX, XXXX XXXX, but was not provided with a telephone number. The representative I spoke with transferred me to a member of the management team who stated that my documents would need to be forwarded to their legal team, and that I would hear back from them by XX/XX/XXXX. The closing is scheduled for Friday, XX/XX/XXXX, and now the buyer will have to pay an additional amount to extend his buy rate. 

I feel that PHH is trying to delay the process to collect additional interest and, in some cases, late fees. This practice is unacceptable ; there must be change. In a quick yelp review PHH has a terrible rating. For the CFPB to allow PHH to have this many dissatisfied customers it leads me to believe that the CFPB is also to blame for failing to protect consumers from predators such as PHH that employ foreign call centers to forestall sound resolution. 

Please know I advised PHH 's representee hat I would be filing a complaint with the CFPB, and I am writing this complaint while I'm on hold. 

XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account XXXXXXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX XXXX XXXX with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-06-24 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not trea
t a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Requested an itemized bill that shows the history and details of each dollar sent to be old Advised that the amount that they were trying to elect is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
I am writing to formally dispute the following items that have appeared on my credit report. I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : 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. These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both Equifax and Transunion, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail and i want to submit a copy email please.I

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the following items that have appeared on my credit report. I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : 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. These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both Equifax and Transunion, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail and i want to submit a copy email please.I

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 2025-06-24 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: Sezzle Inc.
State: TN

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: The Aligned Company DBA Extra
State: TN

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation