vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. XXXX. XXXX XXXX XXXX Account Number : 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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX I am submitting this complaint to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block and remove fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice.

The disputed information is the result of identity theft and includes the following fraudulent accounts and collections currently appearing on my credit report : - A XXXX XXXX XXXXXXXX credit card account opened in XX/XX/XXXX, Account No. XXXX - A XXXX XXXX XXXX credit card account opened in XX/XX/XXXX, Account No. XXXX - A XXXX XXXX XXXX credit card account opened in XX/XX/XXXX, Account No. XXXX - A XXXX XXXX XXXX XXXX credit card account opened in XX/XX/XXXX, Account No. XXXX These accounts were not opened, authorized, or initiated by me. They have resulted in numerous unauthorized hard inquiries and derogatory entries on my FICO credit report, which are severely damaging my creditworthiness.

As required by the Fair Credit Reporting Act, I am providing the following documentation to support my claim : - A copy of the FTC Identity Theft Report ( Complaint # XXXX ), which confirms that the above listed accounts and inquiries are the result of identity theft I respectfully request that Experian conduct the appropriate review and block all fraudulent accounts, collections, and associated hard inquiries from my consumer credit report as mandated under the law.

Thank you for your attention to this matter. I am available to provide any additional information if needed. 

Sincerely, 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 2025-06-11 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the debt you have reported to the credit bureaus under my name. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am requesting immediate verification of this account. Despite my previous disputes with the credit reporting agencies, the account continues to appear as verified or updated without any evidence that a proper investigation has been conducted.

To date, XXXX XXXX XXXX has failed to provide : Verification of the debt, A copy of the original signed agreement bearing my signature, An itemized breakdown of the amount allegedly owed and how it was calculated, Legal documentation showing that the debt was sold or assigned to your agency and that you have the right to collect or report it.

Without proper verification, this account is being reported inaccurately and unfairly. I demand that this account be removed from my credit report until such documentation is provided. Continued reporting without proper validation is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CrossCountry Mortgage LLC
State: KY

Complaint narrative:
We received a VA construction loan from them XX/XX/year>2024. We were told we could save our interest only payments throughout the construction phase of our home and then bring that amount saved to modification as a principal payment towards decreasing our mortgage amount. Once we reached modification, we were never given that option and now had an additional {$29.00}, XXXX in interest tacked onto our principal balance.

We ran into issues of communication with the modification team and we were told 2 weeks later we could make a principal payment and we would be emailed the wiring information. We were called the next day and told again we could not do that and we could send in a large payment but it wouldnt lower the principal nor monthly payments. We began seeking other options and advice.

3 weeks later we attempted to call to with no answer and got ahold of the front desk and our message was forwarded. We were then told again we could make a principal payment. It took us 3 days to wire over the money and saved us {$400.00} a month with the principal reduction. We were then told we were behind 2 months of payments and they would be taking {$8200.00} of the wired money to put towards the payments or we could send it over by XX/XX/XXXX, 9 days. We did not agree with this nor think it fair since it was their negligence that caused the issue of us being behind to begin with.

Now instead they are trying to change the modification date to XXXX and charge us 2 months of interest at 9.99 % for a grand total of XXXX XXXX taken out of our money instead of the XXXX XXXX. We are being punished with more money due anytime we question them or fight it. Now instead of us having a reduced principal balance on our loan, we are being told half our money is going towards accumulated interest instead. They have been rude, disrespectful, and taken XXXX accountability for their mistakes. They have no intention of helping us or trying to save us money. 
We have a note stating that we shouldve been allowed to make a pre-payment towards our principal balance at modification. We were not allowed to make this pre-payment for two months. Now they are charging us two months of interest that has accumulated due to them, not allowing us to make a pre-payment towards our principal balance.

They have taken our money we wired over that was intended to go towards our principal balance and used almost half of it as payment towards the accumulated interest that should not have been there to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX Attachments Fri, XX/XX/XXXX, XXXX to XXXX, XXXX  Good Day, I submitted this payment prior to the due date. The money order was purchased and mailed on XX/XX/year> and received on XX/XX/year>. I mailed it priority mail and have proof that it was received. The money order was cashed. I am requesting that this be removed from my credit report as you submitted this in error. In addition, please send me proof that you received this payment. I spoke toXXXX XXXXXXXX and he said that he was going to research this matter and send me the proof of payment. 

Please inform me of the status. 

imageXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: VA

Complaint narrative:
I am disputing multiple inaccurate and harmful entries on my credit reports that are being reported by several companies without proper verification or legal compliance. I previously disputed these accounts directly with the credit bureaus, but they were marked as verified without a proper investigation which violates the Fair Credit Reporting Act ( FCRA 1681i ) and my rights as a consumer.

Some of these accounts reported late payments during active COVID-19 accommodations, such as forbearance or deferment, which are protected under the CARES Act 4021 from XX/XX/XXXX through the end of XXXX. Despite this, companies still reported me late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and beyond in direct violation of federal law. 

Other accounts, like the XXXX XXXX, are outdated and over 7 years old. This violates FCRA 1681c ( a ) ( 4 ), which requires deletion after 7 years. 

I am also a documented victim of identity theft and my information was compromised in several known data breaches, including the Equifax XXXX breach and the XXXX XXXX XXXX XXXX breach. I have submitted disputes with supporting documents, including return receipts, and requested proper validation such as the original signed contract and full chain of assignment. None were provided, yet the accounts remain. 

These companies have ignored the law, failed to investigate, and continued reporting false or unverifiable information harming my credit, employment, and financial well-being. 

I will also be submitting a formal FTC Identity Theft Report and expect this complaint to be escalated immediately. The bureaus and data furnishers have had ample time to comply, and their failure will be included in my evidence of willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VA

Complaint narrative:
I am disputing multiple inaccurate and harmful entries on my credit reports that are being reported by several companies without proper verification or legal compliance. I previously disputed these accounts directly with the credit bureaus, but they were marked as verified without a proper investigation which violates the Fair Credit Reporting Act ( FCRA 1681i ) and my rights as a consumer.

Some of these accounts reported late payments during active COVID-19 accommodations, such as forbearance or deferment, which are protected under the CARES Act 4021 from XX/XX/XXXX through the end of XXXX. Despite this, companies still reported me late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and beyond in direct violation of federal law. 

Other accounts, like the XXXX XXXX, are outdated and over 7 years old. This violates FCRA 1681c ( a ) ( 4 ), which requires deletion after 7 years. 

I am also a documented victim of identity theft and my information was compromised in several known data breaches, including the Equifax XXXX breach and the XXXX XXXX XXXX XXXX breach. I have submitted disputes with supporting documents, including return receipts, and requested proper validation such as the original signed contract and full chain of assignment. None were provided, yet the accounts remain. 

These companies have ignored the law, failed to investigate, and continued reporting false or unverifiable information harming my credit, employment, and financial well-being. 

I will also be submitting a formal FTC Identity Theft Report and expect this complaint to be escalated immediately. The bureaus and data furnishers have had ample time to comply, and their failure will be included in my evidence of willful noncompliance.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I began seeing fraudulent transactions after having my debit card stolen as well as my wallet and phone. I contacted Bank of America to resolve this issue, and they gave me a new card, and were able to finally change my pin after 5 attempts ; however, it is has been well over the adequate amount of time stated on their website to obtain a provisional credit for these many transactions, which is about {$3500.00}. Their website states that I am covered for {$0.00} fraud protection, however this has not been the case. I have contacted Bank of America enumerous amounts of times, from calling them, to going into a branch several times, to sending a letter. I have yet to receive a provisional credit for any of these transactions, even when I was promised by the branch manager and someone on the phone that I would be credited within 10 business days. I am not pleased with the security of my business checking account with Bank of America and I am getting very frustrated with them. They have yet to provide me a credit, change anything to help obtain more security on my account as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: DC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off XXXX XXXX XXXX Account ( Account # XXXX  ) To Whom It May Concern, I am writing to formally dispute an erroneous and unjust charge-off listing on my credit report related to my XXXX XXXX XXXX ( Account # [ Your Account Number ] ). This entry is not only inaccurate, but it also does not reflect the true state of my account. I demand immediate investigation into this matter and its removal from my credit report.

Here are the facts : 1. 2. 3. Inaccurate Reporting : The reported charge-off of {$4000.00} is incorrect. I have never been notified that my account was charged off, nor have I received any formal communication from XXXX or your reporting department indicating this status. If this charge-off was initiated, it was done without my knowledge or any effort to work with me to resolve the account.

Failure to Provide Evidence : As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a full and thorough investigation of any disputed information on my credit report. This charge-off is showing up with no supporting documentation or evidence of its accuracy. I demand that you provide me with the documentation that proves this account was charged off legally and fairly.

Violation of Consumer Rights : The negative impact of this charge-off on my credit is both unjust and potentially illegal. I have been making payments toward the balance and have made reasonable attempts to resolve any outstanding debts. Experian is obligated to report accurate information, and the inclusion of this charge-off under false pretenses is an immediate violation of my consumer rights.

I am requesting : A full investigation into the charge-off and supporting evidence of its validity.

Immediate removal of the charge-off from my credit report if no valid evidence is provided.

A copy of the findings from your investigation.

Failure to resolve this dispute and remove this fraudulent entry will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by this erroneous reporting.

Please confirm receipt of this letter within 5 business days and provide me with an update on the status of the investigation.

I expect this matter to be resolved promptly, and I will not tolerate any further delays or inaccurate reporting. 
Sincerely, 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-06-11 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
MACYS Credit Card account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper documentation, please provide by " Certified Mail '' with receipt displaying my signature. If not please delete this account # XXXX ASAP 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 non-monetary relief