vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 : {$590.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PR

Complaint narrative:
I am submitting a second-round dispute regarding a mortgage account with XXXX XXXX  XXXX XXXX XXXX account number ending in XXXX ), reported to TransUnion. 

This was a joint account, but per a legally binding divorce agreement, responsibility for this account was transferred exclusively to my ex-spouse. I have not managed or made payments on this account since that time. 

However, late payments continue to be reported under my name, which is inaccurate and damaging to my credit. 

I am requesting a reinvestigation and the removal of the late payment history from my credit report, as it misrepresents my current responsibility and violates the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ).

Additionally, this reporting goes against the principles outlined in Section 602 ( a ) of the FCRA, which emphasize the importance of fair and accurate credit reporting.

I have previously submitted a dispute, and this is now a second request for proper review and resolution.

Please take appropriate action to correct this issue.

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 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Was advised by banks to open a savings account to get IRS cleared the open up a cd account. A few days later all my accounts were frozen. Was told that funds would be available on XX/XX/XXXX. Accounts was still frozen on XX/XX/XXXX but funds where available. Was told that they where still verifying the check come back XXXX should be solved. Came in on XX/XX/XXXX manger and advisor was not available made an appointment to come in on Monday XXXX. Received a letter on XX/XX/XXXX from back that was written on XX/XX/XXXX stating they need information from me. I have complied with everything they wanted me to do. Even provided them with paperwork. Accounts still frozen and check is available

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the personal information listed on my credit report. The report currently contains multiple phone numbers and email addresses that do not belong to me. 

To clarify, I have only XXXX valid phone number and XXXX email address, which Are XXXX and XXXX I would like anything else 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 2025-07-28 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the personal information listed on my credit report. The report currently contains multiple phone numbers and email addresses that do not belong to me. 

To clarify, I have only XXXX valid phone number and XXXX email address, which Are XXXX and XXXX I would like anything else 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am disputing a WFBNA CARD charge-off account that has been reporting inaccurately on my XXXX  credit report. The original charge-off occurred in XXXX, but XXXX  continues to report the account as charged off every single month from XXXX through XXXX. This is factually incorrect, misleading, and violates federal law under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and Metro 2 reporting standards.

A charge-off is a one-time event and can not be reported repeatedly. I attempted to dispute this through XXXX online system, but my submission was blocked and labeled unable to process. This obstructs my legal right to dispute under the FCRA and denies me the opportunity for a fair investigation. 
I am requesting the CFPB investigate and instruct XXXX  to either remove this account entirely or correct the reporting so that the charge-off appears once ( in XXXX ) and not every month for five years.

I am attaching screenshots showing the reporting history and dispute failure message.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a XXXX XXXX charge-off account that has been reporting inaccurately on my Experian credit report. The original charge-off occurred in XXXX, but Experian continues XXXX report the account as charged off every single month from XXXX through XXXX. This is factually incorrect, misleading, and violates federal law under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and Metro 2 reporting standards.

A charge-off is a one-time event and can not be reported repeatedly. I attempted to dispute this through Experians online system, but my submission was blocked and labeled unable to process. This obstructs my legal right to dispute under the FCRA and denies me the opportunity for a fair investigation.

I am requesting the CFPB investigate and instruct Experian to either remove this account entirely or correct the reporting so that the charge-off appears once ( in XXXX ) and not every month for XXXX years. 
I am attaching screenshots showing the reporting history and dispute failure message.

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 2025-07-28 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: KY

Complaint narrative:
I am disputing the charge-off reported by XXXX XXXX, as it is inaccurate due to an improper investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation. No supporting documentation verifying the debts accuracy, ownership, or balance has been provided. The previous investigation appears to have been automated and incomplete, violating my rights under FCRA 1681i. I am requesting this charge-off be deleted from my credit report as it was not properly verified. Please remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
These entries are incorrect and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which ensures the accuracy of consumer information reported.

Additionally, your agency has disclosed my private information without my authorization, violating [ 15 USC 1681b ] ( a ) ( 2 ) and infringing upon my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).

I respectfully request the removal of these inaccuracies from my consumer file. If these issues are not addressed promptly, I will have to consider taking legal action to protect my rights.

These violations are categorized as Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ),

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 2025-07-28 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
These entries are incorrect and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which ensures the accuracy of consumer information reported.

Additionally, your agency has disclosed my private information without my authorization, violating [ 15 USC 1681b ] ( a ) ( 2 ) and infringing upon my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).

I respectfully request the removal of these inaccuracies from my consumer file. If these issues are not addressed promptly, I will have to consider taking legal action to protect my rights.

These violations are categorized as Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-28 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-28 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. Box 27170 Washington, D.C. 20038 CC : [ Equifax/Experian/TransUnion Subject : Formal Dispute Request for Immediate Deletion of All Accounts Due to Identity Theft and Privacy Violations under 15 U.S.C. 1681 ( FCRA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all accounts and personal information from my credit report that were obtained and reported as a result of identity theft and a data breach, in violation of my federally protected privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681b, credit reporting agencies are strictly limited in how they obtain and share consumer information. My personal and financial information was compromised without my consent in a known or suspected data breach, and it has been used to open unauthorized accounts in my name.

According to 15 U.S.C. 1681c-2, a consumer has the right to request the blocking or removal of any information resulting from identity theft. I am exercising that right now. I am also referencing my filed FTC Identity Theft Report as evidence. FTC Report # : XXXX I appreciate your prompt attention to this matter and expect full compliance within the FCRA-prescribed timeline. 
Sincerely, 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 2025-07-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. Box 27170 Washington, D.C. 20038 CC : [ Equifax/Experian/TransUnion Subject : Formal Dispute Request for Immediate Deletion of All Accounts Due to Identity Theft and Privacy Violations under 15 U.S.C. 1681 ( FCRA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all accounts and personal information from my credit report that were obtained and reported as a result of identity theft and a data breach, in violation of my federally protected privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681b, credit reporting agencies are strictly limited in how they obtain and share consumer information. My personal and financial information was compromised without my consent in a known or suspected data breach, and it has been used to open unauthorized accounts in my name.

According to 15 U.S.C. 1681c-2, a consumer has the right to request the blocking or removal of any information resulting from identity theft. I am exercising that right now. I am also referencing my filed FTC Identity Theft Report as evidence. FTC Report # : XXXX I appreciate your prompt attention to this matter and expect full compliance within the FCRA-prescribed timeline. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-07-28 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AR

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 2025-07-28 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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
Our previous lender which was XXXX  XXXX XXXX sold our mortgage to PHH. This happened without our knowledge and we just received post in the mail that our home owners insurance and all would remain the same. We had a tornado come through our town that cause destruction in the area and minor roof damage to our home. We had it inspected and were told to file a claim which is where the trouble begins. My husband spoke with several people over several days and we were given our insurance policy only to be told by the insurer that that policy number didnt exist. We went round and round for days with no answer. My husband has a screen shot of the information that had been listed showing the policy and after us and our many questions and hopes of having a resolution, weve been told our home isnt insure and that policy number has been deleted and theyve said the money will be going back into escrow. This is fraudulent. This company lied about our home owners insurance and our policy and coverage and they lied for several days saying that the number was correct and there was no reason our policy wasnt being found. A few houses down on the same street houses were destroyed because of a tornado and if the same had of happened to us, we would have lost everything. We are now having trouble finding insurers because they say we havent been insured. This is unacceptable when we were first not only uninformed of the change but even more so that our mortgage was sold to a company who has no issue being incompetent fraudulent liars. Im not sure what steps to take next but we do fortunately have screen shots showing the insurance policy we have and Now showing thats since been deleted as weve inquired so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine

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