vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

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 ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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: EQUIFAX, INC.
State: PA

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 XXXX, 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. XXXX ( a ) ( XXXX ) ( 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. CXX/XX/XXXXe XXXXb 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. CXX/XX/XXXXe $ XXXX 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. CXX/XX/XXXXe XXXX Section XX/XX/XXXX( XX/XX/XXXX ) - 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 ( XX/XX/XXXX ), 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: PA

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 XXXX, 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. XXXX ( a ) ( XXXX ) ( 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. CXX/XX/XXXXe XXXXb 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. CXX/XX/XXXXe $ XXXX 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. CXX/XX/XXXXe XXXX Section XX/XX/XXXX( XX/XX/XXXX ) - 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 ( XX/XX/XXXX ), 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am disputing the reporting of American Honda Finance Corporation account # XXXXXXXX XXXX 

This account is listed as Charged off as bad debt with a balance of {$31000.00}, last reported XX/XX/year> on all three credit bureaus. 

I requested validation and documentation of this alleged debt under the Fair Credit Reporting Act ( FCRA ), but no proof or response was provided.

The account remains on my reports unchanged after disputes were submitted through the credit bureaus and XXXX. This inaccurate information is damaging my credit.

I am requesting that the CFPB require American Honda Finance Corporation to provide proper validation or delete this account from my credit reports if it can not be verified.

Attached are my 2 XXXX  reports ( XX/XX/year> and XX/XX/year> ) showing the account unchanged.

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 is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Company : Resurgent Receivables LLCAccount : Collection account opened XX/XX/XXXX, XXXXAmount : {$1000.00} Complaint Description : I am filing this complaint because Resurgent Receivables LLC is reporting a collection account that I did not open and have never authorized. I have never entered into any contract or agreement with this company for any account or service. 
I have repeatedly attempted to contact Resurgent Receivables LLC to obtain verification or a copy of the alleged contract, but the company has not provided any documentation proving that I owe this debt. I have also attempted to dispute the account directly and through the credit bureaus, but have not received a response or resolution. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. The company has failed to provide such validation. Reporting or continuing to report an unverified account also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires that only accurate and verifiable information be reported to credit bureaus. 
The continued reporting of this unverified collection account is causing damage to my credit history and financial reputation. 
Requested Resolution : I request that the CFPB investigate this matter and require Resurgent Receivables LLC to : XXXX. Provide full and complete documentation validating this alleged debt, including a signed contract or agreement showing my legal obligation to pay ; or XXXX. If such documentation can not be provided, immediately cease all collection activity and permanently delete the account from all credit reporting agencies, including : * XXXX  * XXXX  * XXXX  In the next XXXX Hours I have contacted both the company and the credit bureaus. 
Thank you for your attention to this matter and for ensuring my consumer rights are protected under federal law.

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: IL

Complaint narrative:
Ensure disputed accounts are removed according to legal deadlines.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Freedom Mortgage about my payments, I had asked about extending until XX/XX/XXXX, I lost my vehicle also in the process. I started to get behind and contacted them again on XX/XX/XXXX, I did not get my vehicle back until XXXX weeks later. After paying for repairs and rental, I still was behind in my payments. I contacted them again to start the process of forbearance, and I didn't receive any documentation through mail, so I called them again to verify, and I was told that I was approved and that is valid until XXXX XXXX. 

On XX/XX/XXXX, I then applied for a rate reduction with XXXX of the loan advisors. I was told after XXXX  days that I didn't qualify for this as well. I still did not receive any documentation after XX/XX/XXXX and then I received an email stating I could apply for a loan modification on XX/XX/XXXX, from XXXX XXXX XXXX. 

I contacted him and he advised me to apply and gave me the amount to send and then told me how much my payments would be monthly after paying my escrow that was late and making my first payment for the loan modification. I sent {$1800.00} on XX/XX/year>. He sent back the receipt for the payment and notified me of next steps. 

Then I got a text, not a phone call or email from a XXXX XXXX XXXX telling me that I had to make arrangements of some kind and if not, my property would be sent for foreclosure and was now in default of my agreement with Freedom Mortgage. I did not even know I received the documentation until I checked my account online and saw the document in my statements. 

Freedom Mortgage is dishonest and fraudulently have misled customers to think that they are good with any process, but they have lied numerous of times. XXXX XXXX XXXX also said that XXXX XXXX XXXX was fired and scammed many customers out of their money. He is no different because as of today, my account has not been updated, and no documentation has been sent to me either in my statement portal or by email. I believe they already knew this and XXXX be in on scamming customers out of their money as well. I have the last payment of {$2800.00} along with a payment of {$1500.00} sent to XXXX XXXX XXXX which was by text.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Balance - {$3400.00}

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding several inaccurate and unauthorized items appearing on my credit report. These inaccuracies are damaging my creditworthiness and are in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate, verifiable, and fair. 

Below are the details of the disputed information : Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX This address is inaccurate and does not belong to me. I am requesting an immediate investigation and removal of this incorrect address from my credit file. 

Accounts Reported with Incorrect or Unverifiable Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments * * This account is reporting late payments, which is false. I have never made a late payment on this account. I demand correction of this inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXXXXXX Late Payments This account is also inaccurately reporting late payments. I have always made timely payments, and this negative reporting is both misleading and damaging. I request that this be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account and have never opened or authorized any account with XXXX XXXX. This is an unauthorized and fraudulent entry, and I request that it be deleted from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Collection Account * * I have no knowledge of this collection account and have never entered into any agreement with this company. I request deletion of this unverifiable collection account. 

Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These inquiries were made without my authorization or consent. Under the FCRA, inquiries that are not initiated by the consumer must be removed. I request that both of these unauthorized inquiries be deleted from my credit file immediately. 

These inaccurate and unverifiable entries are causing significant harm to my credit profile and reputation. I have attempted to resolve these matters directly with the credit bureaus and furnishers, but the issues persist. Therefore, I am requesting that the CFPB initiate a full investigation into these violations and ensure that the credit bureaus and data furnishers correct or remove all inaccurate and unverifiable information immediately. 

I expect a full response outlining the findings and corrective actions taken. Please ensure that my rights under the FCRA ( 15 U.S.C. 1681 ) are upheld.

Thank you for your prompt attention to this 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 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 — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. FCRA 602 ( 15 U.S.C. 1681 ) Congressional findings and purpose States that consumers have the right to fair and accurate credit reporting and protection from the dissemination of false or misleading information.

2. FCRA 611 ( 15 U.S.C. 1681i ) Procedure in case of disputed accuracy Requires credit bureaus to investigate disputed information within 30 days and delete or correct any unverifiable or inaccurate data.

3. FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of furnishers of information ( this applies to XXXX XXXX XXXX ) This section prohibits companies like XXXX from reporting information they know or have reason to believe is inaccurate.

Once you dispute the information with a credit bureau, the furnisher ( XXXX ) is legally required to conduct an investigation and correct or delete any information they can not verify.

4. FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) Civil liability These sections establish that a company can be held liable for willful or negligent noncompliance with the FCRA, meaning you can pursue damages if they continue to report false information after being notified.

I am writing to file a formal complaint against XXXX XXXX XXXX for inaccurately reporting a repossession account on my credit report. The account does not belong to me, and I am not the owner, co-signer, or authorized user associated with it. Despite my repeated disputes with the credit reporting agencies and direct contact with XXXX XXXX XXXX, this false information remains on my credit report. 

The company continues to claim I owe approximately {$11000.00}, which is incorrect and unjustified. Below are the details of my complaint : Company Name : XXXX XXXX XXXX Account Number ( if known ) : [ Insert account or reference number if available ] Amount Claimed : {$11000.00}

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXXXXXX XXXX  XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX  XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit 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 2025-11-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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